"Financial planning, we believe, is not exclusively about retirement planning or investing or even portfolio management. If distilled to its purest elements, this discipline is more accurately understood as one that involves applying guiding principles to deal with our past, present and future finances.
Our past - because some of us may be carrying the baggage of yesterday's excesses that are costing us our future happiness and financial well-being;
Our present - because now is the best time to act and change course toward a better destination; and
Our future - because each of us is entitled to dream of a better tomorrow".