Life has twists and turns, ups and downs.

Hopefully there are far more good times than bad, but both are inevitable.

Clever management of our finances gives us options and space. We can live in the moment during good times and we can endure bad times.

Correctly managing risk when trying to save money can mean that unforeseen events can be handled better. Time and Timing play huge roles in investment performance.

What’s most important, however, is each person’s individual circumstances.

Some people could be desperately coping as best they can with a mess due to financial disaster or relationship breakdown.

Others may have the very welcome challenge of trying to efficiently extract funds from their successful business or, maybe, they are a parent determined to provide for their family.

Sometimes, all of these events happen to the same person.

As the saying goes; and this too shall pass…