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Financial Planning

Financial planning is the process of creating a vision for your future and putting together a framework to bring it to reality. As a crucial component for financial success, your plan is a roadmap for achieving your life’s goals.

Financial planning goes far beyond the numbers. It helps you be purposeful and strategic in how you will use your time and financial resources.

The process begins by focusing on where you are today and where you want to be in the future. It helps answer questions such as:

  • “How much do I need?”
  • “Where do I need to focus right now?”
  • “Is my family protected?”

Planning is not a one-time activity. Your plan is continually monitored and, if required, adjusted based on your changing needs throughout life.

Below is a partial list of topics covered by financial planning.

What is Budgeting & Cash Flow?

Common questions answered through budgeting and cash flow planning are:

  • Where is our money going?
  • Should we pay off the mortgage?
  • Should we refinance?
  • How much do we need in an emergency fund?
  • How much do we need to save for retirement or college?

Financial Freedom

  • Pension Planning
  • Retirement Roadmap
  • Lifetime Income Strategies
  • Withdrawal Strategies
  • Legacy Planning

Life Goals Planning

  • Savings for Higher Education
  • Investment Planning & Management
  • Cash Flow Management
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