Every day, your body quietly gets on with renewing itself.
Skin cells, gut cells, blood cells - they all refresh at different speeds. Most of you is constantly updating without you even noticing.
And yet, you’re still you.
There’s a simple message in this that can be applied to financial planning: life doesn’t stand still, and neither do you.
The Myth of “Set It and Forget It”
A lot of people think financial planning is something you sort every few years and then park until something big happens.
But nothing else in life works like that. Not your health, your work, your relationships - even your own body is changing day by day.
Your financial life changes too:
- your needs shift
- your family situation evolves
- the rules move
- opportunities come up
- the world does what the world does
So it doesn’t make sense to expect one static plan to keep up with all of that on its own.
What We Can Take From How Our Bodies Work
If most of us is renewing all the time, a good plan should reflect that.
1. Small, regular check-ins matter more than big, dramatic changes.
Great planning is rarely about one huge decision.
It’s about steady, thoughtful adjustments that keep everything on track.
2. Some things stay the same - and should.
You do have “core” parts that don’t really change - your values, what matters most, and where you’re ultimately trying to get to.
Those guide everything else.
Around that core, lots of things are meant to shift: your cashflow, tax years, goals, risks, the market, your family needs…
That’s normal, not a sign that something’s gone wrong.
3. Changing your mind is not a failure.
People sometimes apologise when their goals evolve. But honestly - that’s just being human.
Change isn’t instability. It’s life.
4. A long-term relationship matters more than a long-term plan.
Plans age. Markets move. Life happens.
What lasts is having someone alongside you who understands you, checks in, and helps you adjust as things unfold.
Why We Work the Way We Do at Town Close
This is why our approach is built around regular conversations and not one-off interventions.
Two meetings a year, ongoing check-ins, and being available when life shifts - this rhythm matches how life naturally works.
Our job isn’t to lock you into something rigid.
It’s to walk with you as things change.
You’ll Live Many Versions of Your Life
Across the years, you move through different phases: early career, raising a family, changing direction, caring for others, preparing for retirement, enjoying retirement, becoming a grandparent, and so on.
Each stage brings new priorities, challenges, and opportunities.
Good planning doesn’t try to freeze you in place - it supports each version of you as it arrives.
If you’re thinking about planning, start with a conversation.
You don’t need perfect clarity.
You don’t need to know all the answers.
You don’t need everything neatly lined up.
You just need to start.
Financial planning isn’t about predicting one set future.
It’s about helping you navigate all the future versions of yourself.
Whenever you’re ready, we’re here - no pressure, just a conversation.