what is Lifestyle Financial Planning?
Step 1 - Understanding your current relationship with money.
Step 2 - Unpacking your desired outcomes through goal planning.
Step 2 - Unpacking your desired outcomes through goal planning.
We focus on you first — not your money.
Your money should support the life you want to live, not the other way around.
To do that, we take time to understand:
- How you have dealt with money in the past
- How you currently think about money
- What money means to you personally
These insights are the foundation for both your financial success and your life success.
Step 2 - Unpacking your desired outcomes through goal planning.
Step 2 - Unpacking your desired outcomes through goal planning.
Step 2 - Unpacking your desired outcomes through goal planning.
From there, we explore what your life could look like if you had the means to live the life you’d truly love.
Together, we:
- Identify the areas most important for you to plan for
- Break these into measurable goals with realistic time frames
- Explore your values, the people who matter most, and what energises you
- Translate those insights into a practical, actionable plan
This process turns your vision into something you can see, measure, and work towards with confidence.
Step 3 - Assessing your current provisions.
Step 2 - Unpacking your desired outcomes through goal planning.
Step 3 - Assessing your current provisions.
Once we know what your best life looks like, we review what you already have in place to support it.
This stage involves:
- Gathering the details of your existing financial provisions and protections — in other words, what you already have in place to support your goals.
- Analysing whether these are adequate for your goals
- Identifying any gaps or areas for improvement
By understanding your current position, we can create a plan that builds on — and strengthens — what you already have.
Step 4 - Determining what is possible.
Step 5 - Designing the plan and taking action
Step 3 - Assessing your current provisions.
After reviewing what you already have in place, we work together in a practical, hands-on way to see if they are enough to support your goals.
If they aren’t, we have rich, open conversations about what’s possible. This may involve:
- Exploring trade-offs between certain goals
- Deciding which are most important right now
- Looking at other ways to achieve your goals with the money you have
These discussions bring clarity and creativity together to shape a realistic, inspiring plan.
Step 5 - Designing the plan and taking action
Step 5 - Designing the plan and taking action
Step 5 - Designing the plan and taking action
Together, we look at how to practically prepare for both the life you are living now and the life you want in the future.
We consider:
- What plans need to be actioned — financial and life plans
- Which steps will have the greatest impact on your goals
- How to turn our discussions into tangible actions
You’ll always receive written feedback so you have a clear record to refer to and work with.
Your financial plan isn’t a 100-page document. It’s a collaborative, practical conversation that determines exactly what needs to be done. Without action — around both your money and your life — goals remain out of reach.
Step 6 - Ongoing review of the plan
Step 5 - Designing the plan and taking action
Step 5 - Designing the plan and taking action
We place great importance on meeting at least once a year — and more often if your plan requires it.
The purpose of these reviews is to:
- See where you are now
- Check if your goals still make sense
- Adjust your plan to suit your current circumstances
Life will always throw curveballs, and transitions are inevitable. These reviews ensure you can navigate change confidently, stay aligned with your goals, and keep moving toward your best life.