What is your Why?

Burning the boats

 For a long time, I struggled to find my purpose and my “WHY”.

Discovering my "WHY" lead me to a paradigm shift in my thinking and planning. However discovering my “WHY” was the easy part of the journey. The hard part was the courage it took to continuously live life and staying true to my “WHY”.

So far this has as required my courage to:


Leave a well paid and secure full time job and start my own business, without any clients to begin, WHY? Because being true to authentic self, meant me taking full ownership of the outcome.

Stay, the trusted advisor for my clients whilst sensationalist media labelled the wider financial advising industry as immoral, criminal and unethical. WHY? Because being a trusted advisor to me means being at my client’s side both in the difficult and good times.

Back myself and an opportunity that would require me borrowing hundreds of thousands of dollars and relocate 3000km away from family and friends. WHY? Because while money is important, it’s only important to the extent it heightens life experiences and events important to me.

Be honest with myself, my expectations and abilities. Recognizing when enough is enough. WHY? Because the choices I was making was hurting rather than helping me and those important to me.

Acknowledge in life there are no silver bullets to my problems however repeating the right activities, heightens my chance of success.

On my 25th birthday (my ¼ life crisis), I had approximately $200 to my name, an unfinished university degree and little to no professional skills; however, I knew my "WHY" and I was committed to see my goals become a reality. My financial and personal goal was to accumulate $1,000,000 by 50 years old so that I could fund my ideal life of travel and adventures, requiring $50,000 annually passive income.

By my 35th birthday I achieved my financial and personal goals.

By my 40th birthday and not living my life in alignment with my “WHY” I wanted to end my life.

Recently I celebrated my 45th birthday. Looking back twenty years since my ¼ life crisis, taking courageous actions remains just as scary today as it has ever been. However, now I step forward with a little more confidence than before and from experience I appreciate the importance of my choices being in alignment with my “WHY”.

Here’s some Tips I apply in my own life:

  1. Focus on what you can control, let go of what you can’t.
  2. Discover your values i.e. What’s important to you? and What this means to you across all areas of your life? i.e. your finances, career, relationships, health, spirit and experiences
  3. Take ownership of your future, believe in yourself and apply tip one.
  4. Money is important however it’s only important to the extent it heightens your experiences. The experience is more important than the money.
  5. Regardless of you doing something or nothing, time lost cannot be gotten back.
  6. The people you surround yourself with influence your happiness and success.
  7. If you’re not enjoying yourself ask WHY? And apply tip three.
  8. Your past successes or failures are no guarantee of your future performance.

About Peter Horsfield

Peter Horsfield in an Authorised Representative and Investsure Holdings Pty Ltd ABN 16 050 286 630 as trustee for Horsfield Family Trust ABN 55 609 068 513 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523.

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Paradise Found

7574522 origRules, expectations, opinions, comparisons, structure, attitude blah, blah, blah… Oh! How my head aches just thinking and reading these words.

When did my life become so rigid and predictable? When did I attract and start surrounding myself with dream stealers, sarcastic, fake and cynical, people with no self-esteem, whom in order to feel good themselves find fault with others? When did I become just like them?

My world had become dark, very dark and I questioned myself daily. Then I read the following quote

“Watch your thoughts. They become words. Watch your words. They become deeds. Watch your deeds. They become habits. Watch your habits. They become character. Character is everything”.

I also remembered a TV ad when I was a kid.

“The fish that John West rejects, is what makes John West the best!”

I had to make a choice. Not to run or escape but to rise above my misery and find my own clean air. I had to mature and become more accountable to myself.

Cheesy as it sounds I wrote a letter to my younger self. The message summary… “You have one life to live so ensure you live it with no regrets”.

I chose to mix it up, whist still doing what I love i.e. helping others, learning about money, travelling, personal and spiritual growth, outdoor sports, food and wine. More importantly I chose to act on my decision. And while I’m still a work in progress I many would say I now live in paradise i.e. Cairns

The career I love i.e. financial planning is already full of rules and expectations, so as an experiment I tried having no expectations in all other areas of my life. WOW!!!! Please try this experiment for yourself.

When I consciously placed no expectations on myself, by my surprise I did more, I enjoyed more, I became healthier, I needed less, I was authentically interested in others more and I became more grateful. Most importantly experiences became more valuable to me, than things.

Living with less expectations has made me happier and at the same time attracted other like-minded, generous and happy people into my world. Instead of darkness I am starting to see colour. I am more energised, more at peace and fulfilled.

Decide today to live life without expectations. Do it for your future self.

Here’s some Tips I apply in my own life

  • I choose to be grateful every day and throughout my day.
  • I act, on my choices and decisions. Motion begets more motion
  • I constantly seek new experiences and adventures.
  • I take my career seriously but not myself seriously.
  • If I have a negative opinion, I tell myself “It’s ok to have an opinion and not share it” and then I keep quiet.
  • The past is dry cement and I can’t change it, however I can define my future by the choices today.
  • I let go of what I can’t control and I focus on what I can.
  • When I am with others I am no place else.
  • I invest time in myself.

About Peter Horsfield

Peter Horsfield in an Authorised Representative and Investsure Holdings Pty Ltd ABN 16 050 286 630 as trustee for Horsfield Family Trust ABN 55 609 068 513 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523.


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This Too Shall Pass

reef-side-by-side-1Is it better to suffer in the pursuit of wealth and fortune and battle a sea of troubles?

Or is it better to avoid both these and their troubles?

Regardless in the end both shall pass.

Once a king called upon all of his wise men and asked them, “Is there a mantra which works in every situation, in every circumstance, in every place and in every time – in every joy, every sorrow, every defeat, and every victory – one answer for all questions?  Something which can help me when none of you is able to advise me? Tell me, is there any mantra?”

All the wise men were puzzled by the King’s question.  After a lengthy discussion, an old man suggested something which appealed to all of them.  They went to the King and gave him a ring with words engraved into it, with a condition that the King was not to read it out of curiosity.  Only if, in extreme danger, when the King finds himself alone and there seems to be no way out, only then he can read it.  The King wore the ring without reading the engraving.

Sometime later, the neighbours attacked the kingdom.  The King and his army fought bravely but lost the battle.  The King fled on his horse and the enemies followed him.  The King found himself standing at the mouth of a deep ditch.  If he jumped into it, there would be no way out.  The sound of the enemy horses were approaching fast and the King became restless.  There was nowhere else to go.

The King remembered his ring and about the engraving.  He decided to read the message.

“This, too, shall pass.”

The King read it again and again until something struck him.  Yes! This, too, will pass.  Only a few days ago, I was enjoying my kingdom; I was the mightiest of all the Kings.  Yet today, the Kingdom and all its pleasures are gone.  I am trying to flee from my enemies.  But just as those days of luxuries have gone, this time of danger will pass, too.  Calm came over the King.  He remained still and silent.  The King looked around at the place where he was standing and realized how beautiful it was.  He had never known that such a beautiful place existed in his Kingdom.

The revelation of the ring’s message had a great effect on him.  He relaxed and forgot about his pursuing enemies.  After a while, he realized that the noise of galloping horses had receded and that his enemies had lost him.

The King gathered himself and reorganized his shambled forces and fought again.  He defeated the enemy and reclaimed his empire.  When he returned to the city after the victory, he was received with much fanfare.  The whole capital was rejoicing and everyone was in a festive mood.  Flowers rained down upon the King from every house, from every terrace as he trotted by.  People were dancing and singing.  In this moment the King thought to himself, “I am one of the bravest and greatest Kings.  It is not easy to defeat me.”  In all of the celebration an ego emerged in the King.

Then a ray of sunlight caught the King’s ring and sharply flashed into his eye reminding him of its message, “This, too, shall pass.”

He lowered his gaze and his valiant expression changed to one of humility.  He realized, again, that if this, too, is going to pass, it is not yours.  The defeat was not yours.  The victory was not yours.  You are just a player.  Everything passes by.  We are witnesses of all of this.  We are the beholders.

Happiness comes and goes.  Sorrow comes and goes.  And Life?

This, too, shall pass.


About Peter Horsfield


Peter Horsfield in an Authorised Representative and Investsure Holdings Pty Ltd ABN 16 050 286 630 as trustee for Horsfield Family Trust ABN 55 609 068 513 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523.

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Free at Last

Boat-Snorkelling-Split-1024x556“Free at last, Free at last, Thank God almighty we are free at last.” Martin Luther King.

Today I want to talk about freedom. Your freedom and my freedom.

Money means different things to different people but to many of us it really means Freedom. Freedom to choose. Freedom to do nothing or something. Freedom to what we want with our time. Freedom to help others. Freedom from worry.

The challenge we all face, is that our level of freedom is contingent on our ability to leverage our time.

This can be a MAJOR hurdle since Time=Money. Interestingly delegating in the short term may cost us more than our current expenditures, however choosing not to delegate actually costs us more money in the long term.

Warning: If you’re a tight wad with your cash as well as having a control freak, no one can do it better than you personality; delegation is going to be a real challenge for you. The same is true if you having an overly anxious and worried disposition, so worried that maybe you don’t even trust yourself.

So for those who have one or both of these two above personality traits, you may have to make a change before you can move forward it’s imperative you address your “trust” issues first.

“What is the one thing that changes everything? It is common to every single individual, relationship, family, team, company, economy, country and nation?

The one thing that if removed, will destroy the most powerful government, successful business, greatest friendship and the deepest love?

On the other hand if developed and leveraged, this one thing has the potential to create unparalleled success and prosperity in every dimension life has to offer?

This one thing is TRUST.” Steve Covey Speed of Trust

If you want to experience greater freedom, find someone you can trust, delegate that specific task to them and then focus your attention on doing more of the things that you receive a direct benefit from i.e. exercise, in person conversations with friends, colleagues and loved ones, spiritual growth, personal experiences and studies, while delegating and automate everything else to those whom you trust. Because by creating more time for yourself you will have greater choices, more opportunities, be less stressed and be better placed to experience a higher quality of life for yourself and those important to you.

My role is simple. I help you free up your time, help you to make smarter choices about your money and help you to achieve your important goals sooner.

Tips to help you achieve your goals sooner.

  1. Identify what you would be doing today if you were truly living your ideal life. You activities, your interests, who you would be with. Your ideal life should be deeply inspirational to you.
  2. Identify what needs to be delegated and the people who you can absolutely trust to deliver and help you attain and maintain your ideal life.
  3. Build on your delegated activities. Doing so will help you to better identify, hold accountable and manage your delegation process.
  4. Do only your highest pay off activities for your time and delegate the low cost (time) activities i.e. income generation vs administration.
  5. Become more trusted. Trust = Character & Competence.
  6. Help others save time too, be this through sharing automation techniques, testimonials or introductions to those whom you delegate your tasks to.
  7. Consolidate, Simplify, Automate daily tasks and your important documents and activities.
  8. Benchmark and review at least semi-annually your progress towards your goals (short, medium & long term).
  9. Let go of what you can’t control and the past. Focus your time and energy on improving that which you can control today and in the future.

About Peter Horsfield

Peter Horsfield in an Authorised Representative and Investsure Holdings Pty Ltd ABN 16 050 286 630 as trustee for Horsfield Family Trust ABN 55 609 068 513 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523.

















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