A few weeks ago, I attended a workshop where I heard a memorable phrase quoted by Tony Gordon, one of the pioneers of lifestyle financial planning: ‘The future is inevitable if we know what we want it to be.’
 
The principle behind this statement is that if we are clear about what we want our future to look like and plan accordingly, that future becomes inevitable. This approach encourages us to move beyond mere aspirations and actively design our lives in a purposeful manner.
 
At its core, lifestyle financial planning emphasises the importance of envisioning your desired future. This vision serves as a guide, providing direction and motivation. It’s not just about predicting market trends or saving for retirement; it's about understanding what we want our lives to look like and creating a financial strategy to support that vision.
 
As a lifestyle financial planner, I work closely with clients to identify their passions, priorities, and long-term objectives. This holistic approach considers various aspects of life, including career aspirations, family needs, personal interests and health.
 
Once the vision is established, the next step is to create a detailed plan to turn it into reality. This involves setting specific and measurable financial goals, developing a budget, and of course, investing wisely. Regularly reviewing progress and being flexible enough to adapt to life’s inevitable changes are crucial for staying focused on the ultimate goals.
 
Lifestyle financial planning also addresses the psychological aspects of money management. Achieving financial goals requires discipline, patience and resilience. By fostering a positive mindset and encouraging mindful spending and saving habits, you are better equipped to stay on track.
 
Remember that life is not a rehearsal, where we only get one crack at it. And although the money is important, it’s what we do with it that really counts.