Personal Finance 2nd edition introduces students to the Australian financial planning industry and the growing profession of financial planning. This new edition expands upon the diversity of financial planning decisions, services and products, and considers the importance of strategic financial planning and life-long personal finance management. It continues to be the only Australian text available that discusses the regulatory environment assigned to the personal financial planning industry. Personal financial planning in Australia is a growth industry. As more and more Australians look to financial planners for information and guidance on investment opportunities, and short-term and long-term financial planning goals, the personal financial planning industry needs to ensure that it offers professional, ethical and well-informed services and advice.