Do you want to take care of yourself and your loved ones? Do you want to be happy?

Here’s the thing … If you cannot take care of yourself and your loved ones, it won’t be easy to be happy. We feel anxious and fearful when we cannot meet our deficiency needs. Those needs are to have enough money, to be loved, and to be recognised.

Once our deficiency needs are met, we no longer pay much attention to them. We can start to focus on the pursuit of happiness.

An advice-only financial plan must meet our deficiency needs and our growth needs.