Several years ago, our world was rocked by a crisis that none of us could have imagined. Some of us are still recovering from the losses experienced; we hope that you’re one of the few who are hopefully growing from the lessons learnt.

One of our biggest takeaways was this: Crisis is inevitable — so let’s not be surprised by it.

It’s a tough pill to swallow, but it’s one that will help us weather the storms when they come.

At SFP, we often remind our clients: the goal of financial planning isn’t to avoid the ups and downs; it’s to keep moving through them. Life is full of unexpected turns. Whether it’s a job loss, illness, or a global event that knocks us six ways south of Sunday; crises will happen.

But here's the truth: you can’t always control what happens next. What you can control is how prepared you are. That doesn’t mean living in fear, it means living with foresight.

Having buffers in place isn’t about expecting the worst; it’s about building resilience so you don’t become the crisis. When it comes to financial planning, there are many approaches to consider, potentially starting with income protection, health insurance, and a mindset that prioritises readiness over reaction.

Let’s keep moving forward, whatever life throws at us.