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Where do you start?

Money is the basic ingredient of many of our ambitions, so planning what happens to it is an essential task.

And before you start your planning, you must ask yourself a number of essential questions, namely:

Financially, where am I now? Is this where I want to be, or can I do better? If so, where do I want to be? If I want to be in a better place financially, how do I get there? What can prevent me from getting there?

If you think this sounds more like planning a journey than planning finances then, in a sense, you are right. You can't afford to look on financial planning as a once only event. You must be prepared to revisit your initial plan regularly, as the years go by, to make sure it keeps pace with the changes in your life.

Back to these basic questions - only you can answer 1 and 2. You and your adviser together can answer 3 and 4

REMEMBER You should not use any information contained on this page as the basis of any action until you have discussed matters with your financial adviser.