Financial Planning

Financial planning is the start of any person’s success. Too little time is spent on planning, and too much on execution. The adage rings true: failing to plan, is planning to fail.

Financial planning starts at the core: budgeting. Once we have looked over a client’s budget and spending habits, we can give concrete advice and tips on how to effectively spend money. The next step is to put an emergency fund in place.

An emergency fund covers your expenses from 1 to 12 months, depending on the risk type of your job, and the likelihood of getting another job. Once these have been sorted, we start to insure the most crucial factors – your income and your health. Lastly, we evaluate your life stages and your specific needs, to determine which insurance products are required by you and your estate.