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“People tend to calculate too much and think too little.”

In the world of calculations, numbers often reign supreme. Metrics, analyses, and data-driven insights dominate our decision-making landscape. While these tools undoubtedly offer valuable information, we need to transcend the allure of pure calculation.

Calculations are a means to an end, a method to distil complex scenarios into quantifiable elements. However, they should not be an endpoint; rather, they should serve as inputs into a more comprehensive thinking process.

True thinking involves a deeper engagement with the complexities of a situation. It demands a holistic understanding that goes beyond the numerical surface. It calls for an exploration of context, an acknowledgment of uncertainties, and an appreciation for the human factors that calculations may overlook. Question the blind faith you sometimes place in numerical precision. Calculations can offer a semblance of certainty, but they often fall short in capturing the intricacies of the real world.

Ask yourself; What was the most important financial decision you have ever made?

The big-ticket items we purchase have a significant impact on our financial well-being. Think – house, car, education, aged care.

We make other choices in our lives that have an outsized impact on our financial lives, too. Sometimes, the decisions with the most financial consequence don’t directly involve spending, saving, or investing. The partners we choose, where we decide to live, and the passions we pursue can have far-reaching implications for our financial lives.


Start, Stop, Keep

Look back. Look forward. We are here to help you build a bridge between where you are to where you want to be. We invite you to use this, ‘Start, Stop, Keep’ framework to help you consider what works well for you, what you need to initiate, and what’s best left behind.

We build our lives one decision at a time. Every choice, whether it seems significant or trivial, carries the potential to set in motion a chain of events that can alter our trajectory. We find freedom through our decisions. We create destiny with agency.


Your Financial Adviser, here to assist in your Decision-Making.


Veronika Holubova (MFinP, GradCertFP, ADFP, DipFP) is a representative of Alman Partners Pty Ltd, Australian Financial Services Licence No: 222107.

Any information provided to you was purely factual in nature. It has not been taken into account your personal objectives, situation or needs. The information is objectively ascertainable and is not intended to imply any recommendation or opinion about a financial product. This does not constitute financial product advice under the Corporations Act 2001 (Cth). It is recommended that you obtain financial product advice before making any decision on a financial product such as a decision to purchase or invest in a financial product. Please contact us if you would like to obtain financial product advice.