First and foremost, it’s important to know that Financial Planning is not merely a means to achieve higher returns from your investment plan! The process of financial planning is an iterative one, and your financial consultant will use tracking tools and technology to conduct time to time reviews and adjust your investment plan to match your present situation. Secondly, being open and transparent about your present situation with your financial consultant is critical for financial planning success. Finally, it’s important to know that financial planning is a long term endeavour, and sticking to your plan with discipline and commitment is the key to success.