The topics that are covered in a great financial plan are dependent on what the client actually wants and that can range from great cashflow management how to get my cashflow under control. It can be financial planning for retirement. It can be tax effectiveness how do I pay less tax how to protect wealth. It can be how do I invest in something? Should I invest in shares or property? That’s the scope and spectrum of a plan should meet what it is each client actually wants to see in the plan and then should meet anything that the planner thinks is really relevant that might assist them or prevent them from achieving the goals that they’ve got.