Most people only start thinking hard about their financial plan when life changes. Retirement comes into view, a business sells, an inheritance arrives, a marriage ends or a baby is on the way. Suddenly the technical questions, how much to save, where to invest, how to keep tax down, aren't enough on their own. Financial planning that ignores what you actually want your life to look like is just optimising numbers. What is financial life planning? Financial life planning is a

You find out how healthy your relationship with money really is when life changes. A separation, selling a business, an inheritance, retirement or a new baby on the way. These are the moments when old money habits and fears come to the surface, just when you need to think most clearly. A healthy relationship with money isn't about how much you have. It's about being able to make big decisions calmly and with confidence. What does a healthy relationship with money actually loo