{"id":131343,"date":"2023-09-18T02:39:01","date_gmt":"2023-09-18T02:39:01","guid":{"rendered":"https:\/\/panoramafs.com.au\/?page_id=131343"},"modified":"2023-10-31T01:44:35","modified_gmt":"2023-10-31T01:44:35","slug":"financial-planning","status":"publish","type":"page","link":"https:\/\/panoramafs.com.au\/financial-planning\/","title":{"rendered":"Financial Planning"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row row_height_percent=&#8221;20&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;3&#8243; bottom_padding=&#8221;3&#8243; back_color=&#8221;accent&#8221; back_image=&#8221;131431&#8243; overlay_color=&#8221;color-jevc&#8221; overlay_alpha=&#8221;10&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; top_divider=&#8221;gradient&#8221; bottom_divider=&#8221;gradient&#8221; uncode_shortcode_id=&#8221;158483&#8243; back_color_type=&#8221;uncode-palette&#8221; overlay_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;bottom&#8221; gutter_size=&#8221;3&#8243; style=&#8221;dark&#8221; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243;][vc_row_inner row_inner_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; shift_y=&#8221;0&#8243; limit_content=&#8221;&#8221;][vc_column_inner column_width_percent=&#8221;100&#8243; gutter_size=&#8221;2&#8243; style=&#8221;dark&#8221; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; css_animation=&#8221;alpha-anim&#8221; animation_delay=&#8221;200&#8243; width=&#8221;9\/12&#8243; uncode_shortcode_id=&#8221;127865&#8243;][vc_custom_heading heading_semantic=&#8221;h6&#8243; text_size=&#8221;h6&#8243; text_transform=&#8221;uppercase&#8221; uncode_shortcode_id=&#8221;186382&#8243;]Financial Planning[\/vc_custom_heading][vc_custom_heading heading_semantic=&#8221;h1&#8243; text_size=&#8221;h1&#8243; css_animation=&#8221;alpha-anim&#8221; animation_delay=&#8221;200&#8243; uncode_shortcode_id=&#8221;138106&#8243;]Debt-free living, retirement bliss, and legacy protection \u2013 All in one place.[\/vc_custom_heading][\/vc_column_inner][vc_column_inner width=&#8221;3\/12&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;3&#8243; bottom_padding=&#8221;4&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;1&#8243; top_divider=&#8221;gradient&#8221; bottom_divider=&#8221;gradient&#8221; uncode_shortcode_id=&#8221;903055&#8243;][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;4&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243;][vc_row_inner limit_content=&#8221;&#8221;][vc_column_inner column_width_use_pixel=&#8221;yes&#8221; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;102328&#8243; column_width_pixel=&#8221;1000&#8243;][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;589832&#8243;]Take charge of your financial destiny today, and achieve peace of mind, financial security, and a legacy that lasts a lifetime with our comprehensive financial planning services.[\/vc_column_text][vc_separator sep_color=&#8221;color-lxmt&#8221; uncode_shortcode_id=&#8221;101942&#8243; sep_color_type=&#8221;uncode-palette&#8221; el_width=&#8221;200px&#8221; el_height=&#8221;3px&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner limit_content=&#8221;&#8221;][vc_column_inner column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;349428&#8243;][vc_custom_heading text_color=&#8221;accent&#8221; uncode_shortcode_id=&#8221;129436&#8243; text_color_type=&#8221;uncode-palette&#8221;]We help you work out and optimise your financial future in the following areas[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_inner_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;4&#8243; shift_y=&#8221;0&#8243; limit_content=&#8221;&#8221;][vc_column_inner column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;2&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/3&#8243;][vc_icon icon_image=&#8221;131447&#8243; icon_color=&#8221;accent&#8221; text_size=&#8221;h4&#8243; align=&#8221;left&#8221; title=&#8221;Estate Planning&#8221; uncode_shortcode_id=&#8221;143855&#8243; icon_color_type=&#8221;uncode-palette&#8221;]Ensure the seamless transfer of your assets and protect your loved ones with our expert estate planning services.[\/vc_icon][\/vc_column_inner][vc_column_inner column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;2&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/3&#8243;][vc_icon icon_image=&#8221;131288&#8243; icon_color=&#8221;accent&#8221; text_size=&#8221;h4&#8243; align=&#8221;left&#8221; title=&#8221;Retirement Planning&#8221; uncode_shortcode_id=&#8221;157046&#8243; icon_color_type=&#8221;uncode-palette&#8221;]Create a tailored retirement plan that aligns with your goals, so you can enjoy the retirement you&#8217;ve always dreamed of.[\/vc_icon][\/vc_column_inner][vc_column_inner column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;2&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/3&#8243;][vc_icon icon_image=&#8221;131448&#8243; icon_color=&#8221;accent&#8221; text_size=&#8221;h4&#8243; align=&#8221;left&#8221; title=&#8221;Debt Management&#8221; uncode_shortcode_id=&#8221;292857&#8243; icon_color_type=&#8221;uncode-palette&#8221;]Take control of your finances and achieve a debt-free life with our proven debt management solutions.[\/vc_icon][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row unlock_row=&#8221;&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;3&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;4&#8243; back_image=&#8221;131187&#8243; back_position=&#8221;center bottom&#8221; parallax=&#8221;yes&#8221; overlay_alpha=&#8221;67&#8243; gutter_size=&#8221;4&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;146520&#8243;][vc_column column_width_use_pixel=&#8221;yes&#8221; position_vertical=&#8221;middle&#8221; gutter_size=&#8221;2&#8243; style=&#8221;light&#8221; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;2\/12&#8243; uncode_shortcode_id=&#8221;122273&#8243; column_width_pixel=&#8221;700&#8243;][uncode_counter value=&#8221;79&#8243; counter_color=&#8221;accent&#8221; size=&#8221;fontsize-142088&#8243; suffix=&#8221;%&#8221; uncode_shortcode_id=&#8221;151296&#8243; counter_color_type=&#8221;uncode-palette&#8221;][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; gutter_size=&#8221;2&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;10\/12&#8243; uncode_shortcode_id=&#8221;946044&#8243;][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;134838&#8243;]<\/p>\n<h4>of the Australians surveyed are unaware of what happens to one\u2019s estate after dying without a will.<\/h4>\n<p>[\/vc_column_text][vc_column_text text_lead=&#8221;small&#8221; uncode_shortcode_id=&#8221;160460&#8243;]&#8230; And 26% assume assets will automatically be left to the next of kin, 18% assume assets will be left to a partner or children, and 6.2% believe that the assets will automatically be claimed by the government. Source: Safewill Research Report.[\/vc_column_text][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;5&#8243; top_padding=&#8221;5&#8243; bottom_padding=&#8221;4&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;4&#8243; column_width_use_pixel=&#8221;yes&#8221; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; column_width_pixel=&#8221;1600&#8243; uncode_shortcode_id=&#8221;541023&#8243; row_name=&#8221;estate-planning&#8221;][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;5\/12&#8243;][vc_custom_heading text_color=&#8221;accent&#8221; text_size=&#8221;h6&#8243; text_weight=&#8221;600&#8243; text_transform=&#8221;uppercase&#8221; uncode_shortcode_id=&#8221;561575&#8243; text_color_type=&#8221;uncode-palette&#8221;]Estate Planning[\/vc_custom_heading][vc_custom_heading text_color=&#8221;accent&#8221; heading_semantic=&#8221;h3&#8243; uncode_shortcode_id=&#8221;193531&#8243; text_color_type=&#8221;uncode-palette&#8221;]Secure your family&#8217;s future[\/vc_custom_heading][vc_column_text uncode_shortcode_id=&#8221;743402&#8243;]Estate planning is the essential process of ensuring that your assets are distributed according to your wishes after you&#8217;re gone. It&#8217;s not just about finances; it&#8217;s about securing your family&#8217;s future and providing clarity during a difficult time. Our estate planning services will help you navigate the complexities of wills, trusts, and inheritance, ensuring that your legacy is preserved and your loved ones are taken care of.[\/vc_column_text][\/vc_column][vc_column width=&#8221;7\/12&#8243;][vc_single_image media=&#8221;131452&#8243; media_width_percent=&#8221;100&#8243; uncode_shortcode_id=&#8221;138456&#8243;][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;5&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;4&#8243; column_width_use_pixel=&#8221;yes&#8221; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; inverted_device_order=&#8221;yes&#8221; column_width_pixel=&#8221;1600&#8243; uncode_shortcode_id=&#8221;441219&#8243; row_name=&#8221;retirement-planning&#8221; shape_dividers=&#8221;&#8221;][vc_column width=&#8221;7\/12&#8243;][vc_single_image media=&#8221;131453&#8243; media_width_percent=&#8221;100&#8243; uncode_shortcode_id=&#8221;119841&#8243;][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;5\/12&#8243;][vc_custom_heading text_color=&#8221;accent&#8221; text_size=&#8221;h6&#8243; text_weight=&#8221;600&#8243; text_transform=&#8221;uppercase&#8221; uncode_shortcode_id=&#8221;108292&#8243; text_color_type=&#8221;uncode-palette&#8221;]Retirement Planning[\/vc_custom_heading][vc_custom_heading text_color=&#8221;accent&#8221; heading_semantic=&#8221;h3&#8243; uncode_shortcode_id=&#8221;116411&#8243; text_color_type=&#8221;uncode-palette&#8221;]Relax into retirement[\/vc_custom_heading][vc_column_text uncode_shortcode_id=&#8221;439617&#8243;]Retirement should be a time of relaxation and enjoyment, free from financial worries. Our retirement planning services are designed to make that a reality. We work with you to create a customised retirement plan that aligns with your goals and aspirations. Whether you want to travel the world, start a new hobby, or simply have peace of mind, our experts will help you make informed decisions to ensure your retirement is everything you&#8217;ve envisioned.[\/vc_column_text][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;5&#8243; top_padding=&#8221;4&#8243; bottom_padding=&#8221;5&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;4&#8243; column_width_use_pixel=&#8221;yes&#8221; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; column_width_pixel=&#8221;1600&#8243; uncode_shortcode_id=&#8221;131184&#8243; row_name=&#8221;debt-management&#8221;][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;5\/12&#8243;][vc_custom_heading text_color=&#8221;accent&#8221; text_size=&#8221;h6&#8243; text_weight=&#8221;600&#8243; text_transform=&#8221;uppercase&#8221; uncode_shortcode_id=&#8221;449609&#8243; text_color_type=&#8221;uncode-palette&#8221;]Debt Management[\/vc_custom_heading][vc_custom_heading text_color=&#8221;accent&#8221; heading_semantic=&#8221;h3&#8243; uncode_shortcode_id=&#8221;498096&#8243; text_color_type=&#8221;uncode-palette&#8221;]Helping you to take control of your finances[\/vc_custom_heading][vc_column_text uncode_shortcode_id=&#8221;166257&#8243;]Debt can be overwhelming and stressful, but it doesn&#8217;t have to define your financial future. Our debt management solutions are designed to help you take control of your finances. We&#8217;ll work with you to develop a strategy to reduce and eliminate your debt, empowering you to regain financial freedom. Imagine a life without the burden of debt, where you can focus on building wealth and achieving your financial goals. It&#8217;s possible with our proven debt management expertise.[\/vc_column_text][\/vc_column][vc_column width=&#8221;7\/12&#8243;][vc_single_image media=&#8221;131454&#8243; media_width_percent=&#8221;100&#8243; uncode_shortcode_id=&#8221;118535&#8243;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;0&#8243; back_image=&#8221;131236&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;-3&#8243; shift_y_fixed=&#8221;yes&#8221; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;599222&#8243;][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;880458&#8243;][vc_empty_space empty_h=&#8221;4&#8243; desktop_visibility=&#8221;yes&#8221;][vc_row_inner row_inner_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;5&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;100711&#8243; limit_content=&#8221;&#8221;][vc_column_inner column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; gutter_size=&#8221;3&#8243; style=&#8221;dark&#8221; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;7\/12&#8243; uncode_shortcode_id=&#8221;159298&#8243; css=&#8221;.vc_custom_1694486310473{padding-right: 20px !important;}&#8221;][vc_empty_space empty_h=&#8221;0&#8243;][vc_custom_heading heading_semantic=&#8221;h3&#8243; uncode_shortcode_id=&#8221;927146&#8243;]If you&#8217;re not insured\u2026 you&#8217;re not ensured. Let us help![\/vc_custom_heading][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;117279&#8243;]We\u2019ll bring the conversation to you if you if you would prefer to meet online. Let\u2019s start the conversation to get to know you, where are you at now and how we can help you with your insurance and superannuation needs.[\/vc_column_text][vc_empty_space empty_h=&#8221;2&#8243;][vc_button button_color=&#8221;color-xsdn&#8221; outline=&#8221;yes&#8221; border_width=&#8221;0&#8243; display=&#8221;inline&#8221; link=&#8221;url:https%3A%2F%2Fpanoramafs.com.au%2Fcontact-us%2F&#8221; button_color_type=&#8221;uncode-palette&#8221; uncode_shortcode_id=&#8221;883796&#8243; el_class=&#8221;cta-outline&#8221;]Contact Us[\/vc_button][vc_button button_color=&#8221;color-xsdn&#8221; border_width=&#8221;0&#8243; display=&#8221;inline&#8221; button_color_type=&#8221;uncode-palette&#8221; el_class=&#8221;trigger-callback&#8221; uncode_shortcode_id=&#8221;874434&#8243;]Request a Callback[\/vc_button][\/vc_column_inner][vc_column_inner column_width_percent=&#8221;100&#8243; position_vertical=&#8221;bottom&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;5\/12&#8243; uncode_shortcode_id=&#8221;335559&#8243;][vc_single_image media=&#8221;131173&#8243; media_width_use_pixel=&#8221;yes&#8221; alignment=&#8221;center&#8221; uncode_shortcode_id=&#8221;147524&#8243; media_width_pixel=&#8221;500&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row row_height_percent=&#8221;20&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;3&#8243; bottom_padding=&#8221;3&#8243; back_color=&#8221;accent&#8221; back_image=&#8221;131431&#8243; overlay_color=&#8221;color-jevc&#8221; overlay_alpha=&#8221;10&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; top_divider=&#8221;gradient&#8221; bottom_divider=&#8221;gradient&#8221; uncode_shortcode_id=&#8221;158483&#8243; back_color_type=&#8221;uncode-palette&#8221; overlay_color_type=&#8221;uncode-palette&#8221;][vc_column [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Financial Planning - Panorama \u2013 Life happens. 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