In general sense, the term "risk" may be used to include situation in which there is an exposure to misfortune or adverse circumstances. In life planning, we are concerned with risk as it applies to an individual's income protection and asset protection.

"No one can confidently say that he will still be living tomorrow." -- Euripides

Since we can never know we will be still living tomorrow, making necessary arrangement to how we want our estate to be distributed when we no longer around is important.

"The goal isn't more money, The goal is living life on your terms"

Financial Planning is a process of setting Life Goals through proper management of our finances.

A goal without a plan is just a wish.

"It is not how slowly you go as long as you do not stop"

- Confucius