Financial planning is a process where an adviser assists his client in areas such as cash flow management, investment planning, risk management, insurance planning, estate planning etc. Depending on the individual needs and complexity of one’s portfolio, financial planning can be quite a big project. It is important for a systematic approach to be adopted in order to structure the process to ensure that it is productive, as well as to develop a plan that is suitable, relevant and useful to the client. Proper financial planning can demand some time and effort from both the adviser and the client. There are some clients who do not want to undergo such trouble, never mind the fact that it is ultimately their financial interests at stake. Many practitioners recognise this as well as the fact that commissions come from product transactions, coming up with their own process focusing on sales. Sales practitioners ......