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{"id":1116,"date":"2022-06-28T05:01:02","date_gmt":"2022-06-28T05:01:02","guid":{"rendered":"https:\/\/horvats.com.au\/backoffice\/?p=1116"},"modified":"2022-06-28T06:22:55","modified_gmt":"2022-06-28T06:22:55","slug":"the-secret-to-financial-independence","status":"publish","type":"post","link":"https:\/\/pma-prod.horvats.com.au\/the-secret-to-financial-independence\/","title":{"rendered":"The secret to financial independence"},"content":{"rendered":"\n<p>We are always focused on assisting our clients toward&nbsp;their financial independence; the time in their lives when they can comfortably step aside from their employment and embark on a&nbsp;journey of their choosing.<br><br>However, before that journey begins every client needs the comfort of knowing their future lifestyle will not be interrupted or compromised due to monetary uncertainties.<\/p>\n\n\n\n<p>There is much that we, as advisers, can do in&nbsp;providing guidance and financial certainty&nbsp;for our clients through the use of ongoing discussions, analysis and relevant strategies.<br><br>There is one thing that we can\u2019t do.<br><br>There is one thing that will have the biggest&nbsp;impact on financial outcomes&nbsp;that is greater&nbsp;than the combined sum of all of the advice, strategy and performance benefits that we can add to the client scenario.<\/p>\n\n\n\n<p>If we can communicate with our prospective client early enough, and if we can recognise and remedy all that stands between the client and their quickest path to financial Independence, it will invariably be this \u201cone thing\u201d.<br><br>And yet, when confronted by the challenge of dealing with this hurdle, most individuals become guarded and sometimes would rather walk away than deal with it.<\/p>\n\n\n\n<p>Fact is, had I put up the topic of \u2018personal budgeting\u2019 as the heading of this&nbsp;blog, I don\u2019t expect many of you would have come this far (any of you still with me?), I hope so.<br><br>Only you can truly determine the lifestyle you are choosing to live, now and in retirement. We have no intention in interfering with that.<br><br>What we will&nbsp;be able to assist with&nbsp;however, is providing you with an understanding on how to&nbsp;reduce taxes, unnecessary or excessive costs (such as inappropriate &nbsp;insurances, financial products, debt, fees etc), and plan for future capital expenditure requirements.<\/p>\n\n\n\n<p>In the process of producing a personal budget, you may be able to identify unnecessary or wasteful spending habits.<br><br>By addressing your personal cash flow&nbsp;and shaping it early, you may reduce years in reaching your \u2018Independence day\u2019. &nbsp;By the time you reach that day, you should be in total control of your cash flow and have a very clear understanding on what level of income you require to meet your ongoing needs.<br><br>The sooner you start planning your budget needs, the sooner you\u2019ll achieve your objectives.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>We are always focused on assisting our clients toward their financial independence; the time in their lives when they can comfortably step aside from their employment and embark on a journey of their choosing.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1116","post","type-post","status-publish","format-standard","hentry","category-uncategorised"],"acf":{"sectionOneData":{"fontSizeTitle":80,"lineHeightTitle":93,"headerClass":"light","background":"","backgroundMobile":""},"sectionTwoData":{"headerClass":"dark","footer":{"title":"","color":"#5F1437","bgColor":"#5F1437","class":"show"}},"sectionThreeData":{"title":"Related Insights","blogs":[1053,1059,1056],"headeClass":"light","footer":{"class":"hide","title":"Insight"}},"sectionEndData":{"text":"The first step to financial independence begins with a talk.","description":"","link":{"title":"Get in touch","url":"https:\/\/horvats.com.au\/backoffice\/contact\/","target":""},"background":390,"backgroundMobile":"","video_url":"The first step to financial independence begins with a talk.","footer":{"class":"hide"},"headerClass":"hide"}},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The secret to financial independence - Horvat<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pma-prod.horvats.com.au\/the-secret-to-financial-independence\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The secret to financial independence - Horvat\" \/>\n<meta property=\"og:description\" content=\"We are always focused on assisting our clients toward their financial independence; 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