FP Model Framework (Summary)(Ideas)

FP Model Framework (Summary-1)

FP Model Framework (Summary-2)

Notes:

It’s 2026, and despite the numerous financial apps and platforms out there, none fully meet our needs. Excel remains the only tool that consistently provides the flexibility and control we require. In hindsight, we’ve relied on Excel for nearly 20 years since I’ve graduated from college to manage our financials. While it has served us well, I know that a decade from now, we don’t want to be solely dependent on it. Our spreadsheets are highly automated and built on advanced formulas, but maintaining this approach indefinitely isn’t a sustainable or desirable long‑term solution.

AI is still in its early stages, yet its potential—particularly in image generation and automation—is becoming increasingly evident. My focus is to integrate AI into our Excel dashboards to enhance clarity, usability, and decision‑making. The challenge is that Copilot within Excel is not as effective for prompting as the standalone Copilot companion, which shifts the emphasis toward creating dashboards using AI‑generated visuals. The limitation, of course, is that these visuals are not dynamic templates; updating a value doesn’t automatically refresh the dashboard. That functional role remains with Excel, where having a visual chart isn’t needed, but nice to have.

The objective is not to replace Excel, but to complement it. Once AI‑driven visualization and automated calculations are synchronized with our existing spreadsheets, the dashboards will become significantly more intuitive, informative, and aligned with how we plan and live.

I’ve interviewed several financial advisors, but none proved to be a good fit during the discovery process. In some cases, we questioned whether they were truly operating as fiduciaries; in others, their prescribed methodologies conflicted with what we were seeking. We don’t align with the conventional Australian or American profiles, and each system brings its own assumptions and planning frameworks. Without bias, Australian financial planning tends to place a disproportionate emphasis on property, while American approaches often concentrate heavily on U.S. equities. As a result, traditional financial planning approaches don’t adequately reflect our circumstances or objectives. Given this mismatch, I’ve decided to develop my own financial planning model and framework.

As I develop the Financial Planning Model Framework, my approach intentionally diverges from traditional financial planning methodologies, challenging the assumptions that typically shape long‑term projections and portfolio design. Establishing this framework provides the essential foundation for integrating AI across dashboards designed to reflect our lifestyle while maintaining a clear focus on long‑term goals.