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Shape your
financial destiny

Financial planning for a better future

Feel prepared for the future, always

When people worry, they almost always worry about the future. Financial planning can help take the worry out of your finances, by helping you to achieve your life goals.

We can work with you to plan a brighter future. Whether you want to set aside a little extra money each week, to build a financial safety net, or further diversify your portfolio, we can help you get there.

Here are some tried-and-true financial planning tips below. If you want to know more, please see our goal planning site.


Spend less than you earn

No matter how much or how little you’re paid, you’ll never get ahead if you spend more than you earn. It may be easier to spend less than it is to earn more.  First, it helps to make the distinction between your “must-haves” and your “nice-to-haves.” Then ask yourself: could you cut back on the “nice-to-haves,” so that you can create a stronger present and future?



Stick to a budget

If you don’t budget, how can you know where your money is going? How can you set savings goals if you don’t keep track of your income? Creating a comprehensive monthly and annual budget can transform your personal finances.


Pay yourself first and third and last

Don’t wait until you’ve met all your other financial obligations, to see what’s left over for saving. If you do that, you may never have a healthy savings account or investments.

You work, so shouldn’t you get to keep most of the money you earn?

Me Last

Me 1st, 3rd & Last

1st - Taxes

1st – Pension – Towards my bright future

2nd - Bills

2nd – Taxes – Civic duty

3rd - Savings if there is anything left

3rd – Savings/Investment – For me again!


4th – Bills


5th – Splurging Money – Yeah!!! For me again!!!

The percentage of your salary that you should save/invest is different from each of your friends, colleagues, and family members. So please avoid the general “rules” to save x% of your salary because it may not be true/accurate for you. The exact percentage that you need to save can be calculated by one of our expert advisors.

Better yet, when you know your true savings/investments target, have money automatically deducted from your pay cheque and deposited into a separate account.



Insurance is of great importance

Imagine you’ve worked hard and invested diligently towards your special goal. Now imagine the unexpected happens: sickness, death, an accident. Wouldn’t it be a shame to never achieve your goal, because you had to use the money for the unexpected instead?  Wouldn’t it also be a shame to have to take a loan, when insurance could have given you all you need? Part of taking care of yourself and your loved ones means having insurance. You may be pleasantly surprised by how affordable JMMB can make it.


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