I would like to acknowledge all those throughout my career who I have learned from and those who have inspired and encouraged me to start my own financial planning business — one that reflects my values around being easy to understand, being reliable and being trusted to look after my clients’ personal financial planning advice needs. I also would like to thank my support staff who assist me every day in this endeavour. Finally, I thank my friend Peter Bowman for his ongoing support while I was writing this book. Without his involvement, the ideas in this book would have remained chatter over a coffee rather than something that people could benefit from in the future.