In this book, you will...
☆ Take charge of your own financial life
☆ Look at the different stages in life
☆ Create your own financial plan
☆ Find out what financial planning really means
☆ Learn essential cashflow management strategies

Introduction
Financial Planning is a phrase that has been loosely used in today's world. Unfortunately, many people have either misinterpreted this phrase or have never understood it at all. Financial planning is far more than that. It actually entails planning & implementation of different phases that could possibly take a lifetime to complete.

Our team has been around for more than 20 years altogether & everyday we are still learning & devising effective methods of handling our finances.

We have read numerous books available in the market ok this subject & have tried out many ideas. However, we have found that many of such ideas are only workable in theory & not in reality. The search has been frustrating. As such, we have decided to "take matters into our own hands" & began our journey in independent financial advisory.