“What lies behind us and what lies before us are tiny matters compared to what lies within us.” Ralph Waldo Emerson

In a world full of uncertainties, with increasing mental health issues, societal division, rampant consumerism, and unpredictable climate conditions, one thing remains constant: our human-ness. As humans, we grapple with our desires, impulses, thoughts, and emotions. In a society that often promotes self-denial and self-rejection, it’s crucial to reconnect with our human-ness, embrace our needs and limitations, and plan our lives accordingly. This is where a financial planning roadmap can be instrumental.

At WellsFaber, we believe that acknowledging our humanity is the first step towards successful financial planning. This involves accepting our desires and needs, understanding our limitations, and aligning our financial goals accordingly.

However, setting these goals and achieving milestones is not a linear process. It’s a journey of self-discovery, growth, and continuous evolution, just like our human-ness.

Together, we can build a financial planning roadmap that caters to our human-ness and navigates the complexities of our ever-changing world. One of the first things we must do is learn how to embrace or rediscover what makes us human.

In a society that often encourages us to suppress our desires and needs in favour of societal norms and expectations, embracing our human-ness can be perceived as a revolutionary act.

Acknowledge your desires, needs, and limitations.

What kind of lifestyle do you aspire to? What are your financial needs to support these goals? These are the questions that should guide your financial planning process.

Remember, a goal without a plan is merely a dream. Your goals should be specific, measurable, achievable, relevant, and time-bound (SMART). They should reflect your aspirations, meet your needs, and consider your unique challenges.

Our world is unpredictable, and our lives are susceptible to sudden changes and challenges. Whether it’s a global pandemic, job loss, or an unexpected expense, it’s crucial to have a contingency plan in place. This might include having an emergency fund, insurance, and a flexible financial plan that can adapt to changing circumstances.

At WellsFaber, we recognise that a significant part of our value is in reminding you that a financial plan is not a set-it-and-forget-it tool. It requires regular review and adjustment to align with your evolving needs, goals, and life circumstances. This is where we can truly acknowledge our human-ness – our capacity to grow, evolve, and adapt.

But, we’re also here to help you remember to celebrate your milestones, no matter how small. Every step towards your financial goal is a testament to your efforts, resilience, and commitment to living in your wealth space. These celebrations can motivate you to stay on track and reach for bigger milestones.

In this era of rapid change and shifting collective consciousness, our human shadow can no longer hide. It is coming out into the open to be integrated. At WellsFaber, we are here to guide you through this process, helping you create a financial planning roadmap that honours your human-ness and navigates the complexities of our ever-changing world.

We advise, you thrive.