There are six stages in the full Financial Planning process:

1. Determine your present financial and personal position
2. Identify and prioritise your goals and aspirations
3. Analyse the hurdles which are stopping you from achieving your goals
4. Prepare a plan which details the strategies you need to use in order to achieve your financial and lifestyle goals
5. Implement the plan, once you are comfortable with the recommendations
6. Regularly review the plan to ensure it remains on track and properly reflects your changing circumstances