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Not at all. Some of my clients are in their 20s just starting out. Financial planning isn't about how much you have — it's about making the most of what you do have. I work with your actual budget to build something realistic.

No. I compare all 15 insurers to find what genuinely fits your situation. If something doesn't make sense for you, I'll tell you — even if it means I don't earn a commission. I'd rather have your trust than a quick sale.

Actually, the younger you start, the cheaper and easier it is. Premiums are lower when you're healthy, and investments have more time to grow. I work with a lot of clients in their 20s who are glad they started early.

That's completely fine — most people don't, and that's nothing to be embarrassed about. I explain everything in plain English, no jargon. If something doesn't make sense, just ask. I'd rather you fully understand your plan than just nod along.

I spend a lot of time understanding your full picture — income, expenses, goals, family situation, risk appetite. I don't do cookie-cutter plans. Everything I recommend is built specifically around your life, and I'll walk you through the reasoning behind every suggestion.

I don't disappear after the paperwork. I send monthly investment updates, check in regularly, and I'm always reachable on WhatsApp. If your life situation changes — new job, marriage, baby — we adjust the plan together.