What is financial planning?

Financial planning is the plan that bridges the present with your ideal future.  We all have goals and we have a lifestyle we'd like to live.  Financial planning helps to connect what is happening now with what we want to have happen in our financial lives.

Through financial planning, clients examine the main areas of their financial lives: spending (cash flow), savings, debt management, investments, retirement, tax planning and insurance planning.  Many times people aren't taking advantage of the financial opportunities all around them because they don't know what to look for or how to coordinate the different pieces to put the puzzle together by themselves.

A financial planner helps you put together the pieces.  A financial planner can help to coordinate your financial team and the various players you may need like an accountant, lawyer, or bookkeeper.