No pun intended, but when a slower moving planet changes signs, we all experience a sea-change. This should be particularly clear when Neptune arrives in Pisces (4th). You needn't be involved in media, film, advertising, shipping, pharmaceuticals or oil (or any Pisces-related industry) to feel the effect. From the financial perspective it should be clear we're all swimming in deeper water. Whether that's good or bad, double-checking resources and ensuring you have adequate insurance will surely be high on your list of priorities. The period 16th to 19th could find you conscientiously balancing the books and getting up to new financial speed. Think of this as moving into the unknown. With partners and friends similarly negotiating change, determining what is the most prudent money-plan to adopt demands care. It might be easier to envision from Feb 20th. It's from then that you might naturally be drawn to investments that leave you feeling good (scents, soaps etc) and, at the longer-term investment level (ecotechnology, marine-related health companies etc) seem most likely to bring reward. With regard to long-term planning your instincts could be inspired - though it would be as well to check with a financial advisor (26th- 28th) that your choices are tax-efficient. If you would like to learn more about planet cycles and global finances, please sign up the free newsletter available through www.financialuniverse.co.uk