Financial well-being is a critical element in our lifestyle. People in a strong financial position are more confident, make clearer decisions, and although we have no ready statistics to make the point, probably live longer.

A weak financial position can strain family life, hinder day-to-day working conditions, and force decisions that are not always in your best interest. But you probably already know that.

Most of us have an inherent understanding about the importance of establishing a set of financial objectives, putting in place a long term plan, and periodically re-examining that plan.  Yet most of us never do it!