Financial Planning is the process of meeting your life goals through the proper management of your finances. Life goals can include buying a house, saving for your child's higher education or planning for retirement. The Financial Planning helps you take a 'big picture' look at where you are currently, what you may need in the future and what you must do to reach your goals. The process involves gathering relevant financial information, setting life goals, examining your current financial status and coming up with a strategy or plan for how you can meet your goals given your current situation and future plans.

Financial Planning provides direction and meaning to your financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances. For example, buying a particular investment product might help you pay off your mortgage faster or it might delay your retirement significantly. By viewing each financial decision as part of the whole, you can consider its short and long-term effects on your life goals. You can also adapt more easily to life changes and feel more secure that your goals are on track.

How to make Financial Planning work for you?

Set measurable goals

Set specific targets of what you want to achieve and when you want to achieve results.

Understand the effect of each financial decision

Each financial decision you make can affect several other areas of your life. For example, a decision about your child's education may affect when and how you meet your retirement goals. Remember that all of your financial decisions are interrelated.

Re-evaluate your financial situation periodically

Financial Planning is a dynamic process. Your financial goals may change over the years due to changes in your lifestyle or circumstances, such as an inheritance, marriage, birth, house purchase or change of job status. Revisit and revise your Financial Plan as time goes by to reflect these changes so that you stay on track with your long-term goals.

Start planning as soon as you can

People, who save or invest small amounts of money early, and often, tend to do better than those who wait until later in life. Similarly, by developing good Financial Planning habits such as saving, budgeting, investing and regularly reviewing your finances early in life, you will be better prepared to meet life changes and handle emergencies.

Be realistic in your expectations

Remember that Financial Planning cannot change your situation overnight; it is a life-long process. There are events beyond your control such as inflation, political unrest or changes in interest rates that could affect your Financial Planning results.

You are the master

While working with a Financial Planner, understand the Financial Planning process. Provide the Planner with all of the relevant information. Don’t hesitate to ask questions about the recommendations offered. Remember, it is your money, so never hesitate to ask questions.

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