Many of us go through life without thinking of our life goals or how we are to achieve them financially. We work, save, invest and hope that we will reach somewhere, someday… but where we will go and how we will reach there…we just don’t think too much about it.

There will come a time, however, when we begin to wake up. For some people, it could be a major catastrophe in their life; for others, they just realise they are running out of time when the clock starts ticking louder…

Let’s think about it. When we were at school, we had a roadmap. We will finish our high school, go to college, then to university to earn our degree. At work, when we carry out our projects, we start with a plan, then, we follow through the plan, and make changes along the way, and eventually, we achieve our project goals. We have a roadmap for everything in life, but we have NO roadmap for the journey of our life.

For those of us who wonder what really is a financial plan, it is simply a roadmap to help us achieve our life goals.

In financial planning, it all starts with the discovery of our expectation or life goals. Then, we review our existing resources, before finding some profound ideas to fill the gap with some financial solutions. Indeed, it would be meaningful if we can find a qualified and licensed financial planner who has knowledge in guiding and advising us along this financial exploration process. The roadmap with analysis that we get will make our planning easy and guided.

However, the application of mathematics or analysis in financial planning advice alone may not guarantee the success of the plan. Often, we are vulnerable to changes in economy and circumstances, and are easily influenced by the situation psychologically and emotionally, even though we possess a good financial plan.

I find that, in the process of financial planning, from a fuzzy stage, with no clear direction of financial pursuits, to the stage of clarity, where action plans are set up to fill the gaps, there are factors of financial behaviour and attitudes that determine the success and achievability of our life goals.

What I see very often is the psychological security that most of us expect in our holistic financial planning, rather than any gimmick or specific financial solution that may over-promise.

Here, I invite you to explore the journey of Financial Serenity, the path that leads you to have financial and psychological security with wise decisions in your financial life.