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In my field of work, I am very convinced that financial education is the only solution for anyone to gain financial independence. Despite clients engaging my services, the greatest handicap that I face is that the professional relationship I have with them is only as good as the “weakest” link in terms of financial education. This means that if my knowledge or competency in a particular subject is weak, I will do a bad job. It also means that if the clients’ knowledge and understanding is weak, I will also do a bad job as clients ultimately make their own decisions and thus their decisions are significantly influenced by their own knowledge and understanding. I shall not quote specific examples as it can be a sensitive issue.

So far cases which I am very satisfied are those clients who take much afford to do their research and time to understand. Read more…