S W Morris & Associates is our risk planning business which complements Trilogy's investment and residential lending advisory business. Cash management is a critical starting point for personal financial planning, mentioned in the New Zealand Herald article below. Over the break I've read a number of articles on how people changed direction in 2020 either in their relationships or vocation. One thing not mentioned in the article below which I had sent to the NZ herald when they asked for my comments, was the importance of revisiting your Investment Risk Profile and ensuring you have a truly diversified investment portfolio. Personally I don't see my family home as being a part of my portfolio of investments. Return on Investment (ROI) is critical to making investment decisions which could be another New Year resolution when making investment decisions in 2021!