Mowatt Financial Planning (MFP) offers both financial advice and financial planning services to individual clients and also to small business owners. Financial advice is designed to help with tactical decisions about a particular aspect of financial life (e.g. saving for retirement). This might be appropriate where independent, unbiased advice is needed in one or two areas. Financial planning combines established life goals with lifetime financial planning to develop a powerful, meaningful and practical strategy to ensure success in all aspects of financial life.