Collating your current assets and liabilities as well as your current income and expenditure is the first step in creating your financial plan. By projecting the value of these assets and surplus income forward gives you an ‘as it stands’ snapshot of your current financial position. We then build in your financial and life objectives to establish whether you are on course to meet those targets. Of course, ‘life is not linear’ and by incorporating ‘what-if’ scenarios we assess whether your current plan is sufficiently robust to overcome life’s challenges.