Based on the current situation or expectation for the future, prepare a financial plan proposal contained one or more financial goals for Tony Fernandas. You are required to include the following contents in your financial plan base on the following process:

Step 2: Develop Your Financial Goals (10 marks)

2.1 Set short-, intermediate-, and long-term goals. Personal financial planning revolves around goals. Consider what you want your lifestyle to be like in the present, near future and distant future.

2.2 Use a "SMART" goal-setting process. Make sure your goals are Specific, Measurable, Attainable, Realistic, and Time-based. Doing so will ensure your goals can move past the "dream" stage into actual implementation.

2.3 Think about your financial values. How do you feel about money, and why? Why is money important to you? Answering these questions will help you formulate your financial goals.

2.4 Bring your family into the conversation. If you have a partner or a family, make your "personal" financial plan a "family" plan.

2.5 Consider all your goals, even if some seem less "financial" than others.