Did you know:

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"73% of people rank their finances as the most significant source of stress in their life."

-2021 Capital One CreditWise survey

It’s not surprising, considering the challenges and uncertainties that many people face in managing their money. Things like:

• High economic volatility and unpredictability

• Increasing job/business instability & slower income

• High inflationary cost in affording house, car, children education, personal & family lifestyle, and retirement

• Frequent changes financial regulations & tax law

• Emergence of many new and complex financial products that are confusing & risky

• A lack of formal financial education and guidance in school system and working environment

• A shortage of time, energy and money

These factors make it HARD for many people to grow their wealth effectively to achieve  financial security and financial independence - the ability to live the life they want without worrying about money.

Many people are also frustrated with the product-pushing and inappropriate advice they get from transaction-oriented financial intermediaries who don’t have their best interests at heart.

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That’s why nowadays more and more people are  turning to financial planning - a process that finally helps them start improving their financial position and take control of their financial future. It does feel like seeing a light at the end of a tunnel.

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Financial planning is not just about managing your  money on hand. It’s about creating a comprehensive and holistic plan that covers ALL aspects of your financial life, such as:

• Budgeting and cash flow management - create financial strength that's cornerstone of achieving all financial goals

• Debt management - reduce or eliminate your debt, avoid paying unnecessary interest and fees, and avoid personal bankruptcy

• Risk management - protect yourself and your assets from unexpected risky events or predatory people that could make you poor

• Saving & Investing - grow your investment portfolio effectively and sustainably to provide financial security and reach your desired lifestyle

• Retirement planning - ensure that you have enough income and savings to support your needs and wants during your retirement years

• Estate planning - ensure time and cost effective distribution of your assets and the settlement of your affairs after your death, protect your beneficiaries, and fulfill your personal wishes

• Tax and legal issues - help you reduce your tax liability, avoid penalties, and take advantage of tax benefits and incentives

With a solid financial plan in place, you can:

• Make smart and informed financial decisions that improve your wealth position each time

• Have greater chances to achieve all your short-term and long-term financial goals

• Have metrics (or KPI) to track your financial progress effectively and adjust the keys in your plan as needed

• Respond to changes in life and market circumstances with great confidence and full flexibility

• Avoid major financial pitfalls and setbacks that could destroy your wealth

• Spot financial opportunities  that could enhance your wealth

Ultimately, financial planning can help you to eliminate financial stress and achieve financial freedom and independence - the power to make your own financial choices and pursue your passions, WITHOUT being limited by money.

​"54% percent of people with financial plan felt "very confident" they would reach their financial goals, compared with only 18% of people who are without a financial plan."

- Charles Schwab

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Thus, financial planning is starting becoming a NEED rather than a "nice-to-have" and is only going to grow in the future.

According to a very recent research by the Financial Planning Standards Board, financial planners will see a trend of significant jump in demand for financial planning services over the next few years. 

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No more waiting, START your financial planning journey today and see the difference it can make in your LIFE & CAREER.

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