Financial Planning Principles is a student text that deals with the nuts and bolts of the financial planning process: investing, managing risk and insurance, handling debt and credit, understanding the all-important concept of the time value of money, superannuation and planning for different life stage requirements. The book provides fundamental concepts of financial planning in relation to the environment that financial advisers operate in today. Understanding the regulatory framework is paramount; however, the text also covers the all-important skill set of client communication. In addition, students are guided through the process of undertaking research in the financial arena and how to assist clients through the taxation maze. Throughout the text, the authors have adopted a variety of blended learning methods to ensure students are fully equipped when entering the profession.