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Welcome to our latest edition. 

Inside, we look at how having a financial plan in place early on can make it easier to manage your money further down the line. It’s never too early to make a financial plan. The sooner you work out your goals and start following a plan to achieve them, the more likely you are to succeed. On page 06 there are three key questions to ask yourself when building your financial plan. Don’t forget: vision without action is merely a dream

Your pension is more than just a retirement fund, it can also contribute towards building a better world. As we have been witnessing in recent months and years, climate changes are occurring in every region and globally. A new landmark report from the United Nations on the state of climate science has highlighted modern society’s continued dependence on fossil fuels. Its effects are already apparent as record droughts, wildfires and floods continue to devastate communities worldwide. Turn to page 10

We hope you enjoy our latest issue!

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