The first step in wealth building is your decision to seek professional financial advice. Once you have done that and chosen your financial planner, the next steps are easy.

You:

• Put together your financial information - income and financial commitments - to provide your planner with a clear picture of your current financial position;
• Try to set out your personal and financial goals. Try to be realistic about what you can achieve; and
• Identify issues or hurdles that may hinder or prevent you from achieving your goals;

Your planner will:

• Help you to determine your investment profile based on your attitude to risk;
• Analyse and discuss various strategies and options that may help you to achieve your goals;
• Prepare your personal financial plan based on a strategy that will help you to achieve your goals;
• Implement your financial plan once you understand and are comfortable with your planner's recommendations; and
• Review and revise your plan at least annually to ensure you're staying on track, especially if your personal circumstances have changed since your last review.