#seedingchange

Like a germinating seed, our financial journeys all start somewhere.

A Sprouting plant – no longer a seed but some way off being fully grown, this stage of your life can feel a little like limbo.

There are a lot of changes that can take place in your Growth phase – switching your career, raising a family and finding the right work / life balance.

Our blossoming stage of life comes with an entirely different set of financial decisions.

Achieving financial independence is the moment when our hard work pays off and we take the step into retirement – in one way or another.

While our later years are time for us to relax and enjoy our retirement, there are still areas of our personal finance that require careful management and ongoing planning.