My focus is on taking the time to fully understand my client's lifestyle, their family and what makes them tick. By starting with a blank page I can understand what is important to them and what their hopes and dreams are for the future, so that I can start to build a financial plan to help them achieve those goals. I believe that life and finances are very much about balance, for example: assets and liabilities, income and expenditure, spend or save, risk and reward, income or growth, work and play. It is vital to understand my client's current position and where they would like to get to, whether that be funding for retirement, determining if they have enough to retire, or passing money down the generations' tax efficiently. This is an ongoing process that will be refined and amended each year where appropriate, through navigating life's challenges.