Three step process
Life planning:
Where are you now and how did you get to this point?
What are your long term goals?
What is your investment experience?
What is your ne primary objective?
Financial Planning:
Are you saving enough?
When can you retire?
Can you meet your goals?
Will your family be ok in the event of your death?
Are you taking to much/little investment risk?
Financial Advice:
Pension advice;
Investment advice;
Protection advice; and
Product implementation, where relevant to the plan.