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Personal Prosperity

Balancing today’s needs with tomorrow dreams in 12 steps.

Road to the field with yellow ripening wheat ears

Financial prosperity, which we define as having the financial resources to be able to achieve life goals, is a critical element in overall prosperity. Even though financial prosperity is necessary, it is only part of the whole.  Money is the means to an end.

“It’s good to have money and the things that money can buy, but it’s good, too, to make sure that you have lost the things that money can’t buy.”

George Horace Lorimer

Total prosperity goes beyond financial prosperity to include:

  • Physical prosperity: Being in good health, which is not merely the absence of illness but true fitness in mind and body.
  • Emotional prosperity: Having good personal, family and work relationships
  • Spiritual prosperity: Serving a higher personal with your life.
Did You Know?


Financial planning with us will help you to address the key decisions you will make (or have made) and the impact these decisions will have on your financial circumstances and outcomes. These include:

  • Your choice of career

    • Much of the money you get will come from what we earn. And what you earn is determined by what you do.

  • Marrying

    • Marriage is a very personal choice. When you get married, the cost of the wedding and the income earning potential and lifestyle of your partner will impact your future financial prospects.

  • Your lifestyle

    • One of the key requirements in managing your personal finances is balancing your current consumption with your future consumption needs.

  • How you manage debt

    • Debt is the opposite of postponing future consumption – it is borrowing against future earnings to facilitate current consumption.

  • How you handle risk

    • The risk-return trade-off is fundamental to investing – and investing is critical to creating wealth. Your ability to tolerate risks determines the rate of return you will get.

  • How many children you have – and when

    • There is a significant financial cost associated with raising children to adulthood, especially if you plan to educate them at tertiary level.

  • How well you protect your assets

    • Protecting what you currently have is the foundation of good financial planning. For most people, the ability to earn income is their most significant asset.