About Lifestyle Financial Planning

Lifestyle Financial Planning puts you in control of your financial destiny

Lifestyle Financial Planning enables you to a) clearly define the lifestyle you’re working towards and b) measure your progress at any every point on the journey. While lifestyle planning may involve the purchase of key financial products such as investments and insurances for example, that only happens at the end of the planning process.


The three elements in the Lifestyle Financial Planning process are:

Finding out about you

Our discovery meeting (held at our expense) is where we get to know each other. As planners, it’s essential that we understand as much as possible about you — not just your current lifestyle, but what your key objectives are and the kind of life you want to lead in the future.

If you’ve already purchased investments or insurances, or put any tax mitigation schemes in place, we’ll want to know about them. You’ll also need to tell us about your income, your outgoings, what your personal financial assets amount to and any liabilities you may have. We’ll also explore your views on investment and saving. No doubt you’ll want to learn about us. So we’ll explain what we do, how we do it and what it costs. If you conclude that we can help you get what you want out of life, we can then move to the next meeting.

Developing your plan

At our second meeting, we present your lifestyle plan: a collation of everything we know about you, your circumstances and your financial resources. The plan, which utilises a sophisticated cash flow modelling program, shows us and you what the financial future might hold — taking account of the good and the not so good! Detailed cash flow projections illustrate where you’ll stand financially in the years and decades ahead. You’ll be able to see what it’s going to take (in terms of money, time and actions) to achieve the lifestyle you desire. Given that circumstances and objectives change over time, all the plan’s key parameters can be adjusted to assess how positive or negative developments might effect the future.

Implementing the plan

The very last step in the process is the acquisition of financial products to help achieve the objectives laid out in your plan. Not just investments, but long term arrangements and tools which will help protect the assets you accumulate and mitigate any potentially wealth-diluting (but avoidable) tax liabilities.