World Financial Planning Day is a global event to help raise awareness of the value of financial planning which takes place on 5 October. It’s the perfect opportunity for you to take positive steps towards improving your financial health, wealth, and wellbeing – now and in the future. Here are some articles and tips to help you live your today and plan for your tomorrow.

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Financial planning is for everyone. Let’s take a look at why…

Financial planning is accessible for everyone
Financial planning is a collaborative process that can help everyone, regardless of age or net worth.

Financial planning is not just for the wealthy, retired or those looking to retire. Millennials, students, and young people who are just starting their careers can also benefit from working with a financial advice professional to achieve their goals – whether that is saving money to buy a home, fund education or retire comfortably.

Why financial planning is important:

Financial planning can help people take control of their financial lives. By understanding your current financial situation and your short- and long-term financial objectives, a financial adviser can work with you to create a financial plan that provides a road map to help achieve your goals.

Four key benefits of financial planning:

  1. A financial plan can help you set goals. With a financial plan, it may be easier to know if you are on track to meet your long-term goals. For example, how much money do you need to save for a healthy and happy retirement?
  2. A financial plan can help manage your spending. If at the end of the month, you are unsure where your money has gone, a financial plan can help.
  3. A financial plan can help you achieve your financial goals. Do you want to buy a house or contribute to your children’s education? Attaining important goals can be more challenging if you do not have a financial plan to guide you.
  4. A financial plan can help prepare you for the unexpected. The COVID-19 global pandemic demonstrated the need to prepare for the unforeseen circumstances. A financial plan can help you put safeguards in place to combat challenges that come your way.
Financial planning is personalised to your needs
A financial plan can be created to fit your unique needs.

The financial planning process is a collaborative approach to managing your finances that considers multiple aspects of your financial situation to formulate strategies and make recommendations. Financial advice professionals are trained in how to use the financial planning process to create a financial plan that is unique to you. They can also work with you to adjust your financial plan as your goals evolve due to shifts in your lifestyle or circumstances such as inheritance, career change, marriage, home purchase or a growing family.

A financial plan provides you with security
Even when life is uncertain, you can feel more confident with a financial plan.

Financial planning can help you develop financial strategies for a more secure future and to feel more self-assured of your financial circumstances. As you begin planning your future with a financial advice professional, you can be confident knowing you are working with an individual who has committed to abide by global standards of ethics and professionalism.

Financial advice professionals are trained to deliver integrated financial planning recommendations to help clients develop a financial plan.

Global research conducted by FPSB shows that consumers with a financial plan are more confident – and that those with a written, comprehensive plan are nearly three times more likely to feel strongly confident about achieving their life goals.

How do I know I can trust an adviser?
It’s reassuring to know that financial advisers are seen as trusted professionals by those who consulted them. According to Financial Advice NZ research over 90% of those surveyed who have used an adviser rated them as good or very good with regard to trustworthiness, and more than 85% were satisfied or very satisfied with the help they receive. All financial advisers must comply with the FSLAA, and they are monitored by the Financial Markets Authority to ensure they comply with their obligations. Financial Advice New Zealand  encourage its members to join the CFP Mark Pathway Programme and gain the Trusted Adviser designation which demonstrates an additional level of training at a higher level has been achieved.

Better Behaviours
Research on the value of financial advice

Kiwis who seek out and receive professional financial advice exhibit good financial behaviours more often than unadvised Kiwis. According to our 2021 report, Better Behaviours – research on the value of financial advice, regardless of income level, advised Kiwis are more prepared for retirement, feel better about their financial position and are more comfortable making big financial decisions.

A symbol of excellence in financial planning the CFP CM Certification Mark represents the highest achievement within the profession.

What can a CERTIFIED FINANCIAL PLANNERCM Professional do for me?

A CERTIFIED FINANCIAL PLANNERCM professional can make a positive difference to your financial future. They will help you understand your financial situation, develop a strategy and give you guidance on things such as funding your children’s education, helping with budgeting and taxation issues, having enough money to live comfortably in your retirement, insurance, estate planning and so on.

It’s all about helping you set your goals and devising a plan to give you the confidence that your financial future is secure. A CERTIFIED FINANCIAL PLANNERCM professional can give you the peace of mind and security that comes with being prepared for the future. Find out more


The Financial Advice NZ Trusted Adviser mark indicates that an adviser’s level of qualification, experience, and focus on ethics has been recognised by a professional body, Financial Advice NZ, offering an additional level of reassurance to those seeking financial advice. Find out more

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