A customised sustainable financial plan is essential for individuals to overcome market risks and maximise the production of income through wealth preservation. Although there is no asset that is risk-free, some are more secure than others. The choice of asset classes should be based on risk appetite and future aims in order to plan out asset allocation comprehensively for sustainable income generation. A finance plan can help in making informed decisions whilst managing assets, allocating wealth and accumulating funds gradually. Creating both long and short-term objectives is important for a sustainable financial plan.