Financial Planning

Starting early definitely a good tip and I like that the three stages of you know building up your knowledge and your human capital then converting that into income and accumulation phase. Then I'll be saying deacumulation at the final stage. Most people when they come to talk to me will have a three to four year time span that they want to tie up their money for which is a ridiculous thing. It's probably going to be working to you from age 60 to age 90 30 year period so if we can change people's perspectives through using a plan about how long their money has got to be working for them that's a good process.