Financial Planning

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Many people think that financial planning is a once-and-done event that starts with the
numbers and ends with investments and pie charts. But that’s not what true financial
planning is about.

We define true financial planning as a comprehensive, ongoing approach to managing all
areas of your financial life that takes into consideration your income, expenses,
investments and debt; your short-term and long-term goals such as paying for college or
retiring comfortably; your taxes and financial risks such as disability and death; and,
finally, leaving a legacy.

The elements of a personal financial plan
A personal financial plan is tailored to your unique goals and contains actionable information
and recommendations to help get you where you want to go.

The benefits of financial planning
Having a written financial plan can help you feel more confident and prepared for your
future, whether you’re nearing retirement or just starting to save.

The first year of financial planning
What can you expect from the financial planning process? During the first year, you’ll go
through several steps as you develop your plan and put it into action.

The ongoing planning process
After the first year, you’ll continue to work with a financial advisor to track your progress
toward your goals, making adjustments to your financial plan along the way.