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We believe that having a deep understanding of our clients’ behaviours, dreams, and fears, is just as important as knowing their financial position. We have held countless client meetings across all timelines of a client’s planning journey and these interactions have shed light on some valuable lessons that can help us, and our clients, make smarter financial decisions.

Here’s a glimpse into what we’ve learned.

Knowing your number

We have yet to meet a client that has an accurate understanding of their expenses. Financial Planners help clients understand the intrinsic relationship between their lifestyle costs and their financial planning requirements.

If you don’t know your lifestyle cost, the planning you do is just guess work.

Mental Accounting

Mental accounting refers to the tendency of individuals to categorise and treat money differently based on its source or intended use. We often have clients who come to us with an initial financial concern, for example they have a lump sum to invest, or have a query around pension access.

A financial transaction can impact other areas of your finances/life that you may not consider at the outset. By helping our clients view their finances holistically, rather than in isolated segments, we can promote better budgeting and more efficient saving and investing habits.

Goal Setting

It is true, goal setting provides direction and helps in making informed decisions aligned with long-term objectives. However, we are not overly concerned if clients find it hard to articulate their goals. Goals are only a starting position and what we love about goal setting is how often we move the goal posts!

To us the true goal of financial planning is to convert your current and future financial resources into the most important asset of all…… Choice.


Financial literacy is crucial for sound decision-making. During our planning sessions we try to simplify the complex, repeat the benefits of good habits and sticking with the plan, and provide clear, actionable advice. Our aim is to empower our clients to take control of their financial futures. Knowledge is a powerful tool.

Encouraging a Long-Term Perspective

In our experience clients’ views on their investment timelines are always shorter than actual investment timelines, which has a negative impact on potential for future returns.

The reality is clients are invested for their whole life and not just to specific milestones, such as retirement. While money is added and withdrawn along the way, investing should be viewed as “whole of life” rather than to a defined period. This mindset can result in significant benefits for the investor and next generation where applicable.

The Value of Regular Check-Ins

Regular financial reviews are essential. They provide an opportunity to reassess goals, review progress, and make necessary adjustments. These check-ins also give our clients peace of mind in the knowledge that not only their shorter-term needs are easily identified and actioned, but their longer-term planning needs emerge and become more evident as we progress through the planning journey.

Probably the most important element of regular planning meetings is that it keeps both the planner and the client accountable. Small repeatable good habits have a transformative impact on lifelong planning. Seeing the impact of your planning builds trust in the plan and the planner which in turns leads to more meaningful conversations resulting in better outcomes.


Contact us to arrange a discovery call or complete our ‘Getting to Know You’ Questionnaire