1 2 Introduction What do I mean by integrity? The concept of integrity is dealing fairly with others and asking yourself, “How can I make best use of the time, “Real wealth is about much more than moneytalents and money entrusted to me?” and possessions. Real wealth is a fulfilled and meaningful life.”When you work with a Financial Planner who puts your life at the centre of their conversations with you, you can expe ct a Wealth Plan which will answer your big questions and help you be financially well organised so you are Financial planning differs from financial advice asprepared for your future. financial planning is forward looking; it’s strategic and it ’s comprehensive.This ebook will briefly consider seven financial planning areas that you need to focus on and approach with It incorporates three key elements: wisdom. Life planning (defining your purpose and goals).They are: 1 2 Financial strategies (e.g. creating, preserving and1234 5 6 7 transferring wealth). Cashflow Risk Borrowing Investing Tax Legacy Giving 3 Solutions (e.g. sourcing and recommending financial products and investments). I’ll explain not only why these areas require a wise and strategic approach, but also give you advice to help you Some people see money as a huge obstacle which canput that kind of approach in place. make them shy away from dealing with it or talking about it. However, it’s essential, if you want to plan for your financial future. * Remember it is wise to consult with a highly qualified Financial Planner. A trusted Financial Planner will act as If you are free from worrying about your financiala sounding board and provide impartial second opinions. future, it will allow you to make the most of today. YouImportantly, your Financial Planner will stop you from never know what’s going to happen. doing the wrong things, at the wrong time and for the wrong reasons. What I’ve come to realise is that if we approach our money, as well as our time and talents, with integrity, we’re more likely to find contentment. 5 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning)Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk www.wellsgibson.uk
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