When it comes to financial advice, and sales in general, there are typically five approaches that sales people take.

1. Ideal world
2. Client budget
3. Average first
4. Replace with cheaper
5. Next step

We are firmly an ideal world advisory firm, as we like to consider ourselves advisers, rather than just sales people. 

Sales people sell stuff; we collaboratively weave you a risk protection plan that is driven by your desired outcomes.

We've been chatting in a number of groups about risk and insurance and we got chatting with Amanda from Southern Bride.

Having got married not too long ago myself, I appreciate the stress and challenges arranging a wedding can have.

Not to mention some of the risks that pop up with not only the celebration on the day, but the final parties before and some of the antics that happen.

This question gets asked from time to time, and the simple answer is to help people. Which often gets a 'say what' sort of look, then 'but you sell insurance?' Yup, that's what I do.

Those in the industry understand my answer intimately, those outside often don't understand it so much.

I'll try and explain.