I have a degree in finance and over a decade of experience in individual and organisational financial planning and development.  My training and background in this field have led me to believe that effective planning needs to take into account the whole person, their situation and their life in context, not just focus on isolated products. The way I see it, successful financial planning means helping people to understand their objectives better, to sort out what’s worrying them or holding them back, to identify ways forward with clarity and confidence and to remove real (or perceived) barriers to progress.