Whether you go through a comprehensive financial planning, a specific or modular financial planning, life-cycle planning, or just a needs analysis approach, you would have to look at the following areas which apply to everyone:

BUDGETING - How to manage your income and expenditure budget.

ASSETS PROTECTION - How to protect your existing assets from losing value or being destroyed by hazards.

PERSONAL PROTECTION PLANNING - How to protect your life from the economic consequences of premature death, disability and disease.

FAMILY PROTECTION PLANNING - How to protect your family from similar risks.

SAVINGS - How to plan financially for major events like marriage, house purchase, children’s tertiary education and retirement.

INVESTMENT - How to invest in well chosen instruments to get good returns at reasonable risks for selected periods.

TAX PLANNING - How to save on taxes, where possible.

RETIREMENT PLANNING - How to manage your funds to stretch them for your retirement.

ESTATE PLANNING - How to distribute your assets and money in efficient and tax efficient ways to chosen beneficiaries.