A combination of income tax planning, retirement planning, estate planning, investment asset allocation planning and education, risk management planning and more.

Gain control of your everyday finances, plan your big financial decisions and get advice from a CFP® professional.

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What is Financial Planning?

 

Creating order out of chaos

 

The development and implementation of a plan to achieve overall financial objectives

 

Process of creating wealth, reducing debt and creating a strategy to meet financial goals

 
 

A combination of tax planning, retirement planning, estate planning, investment education and allocation planning, risk management planning, budgeting, debt management and more. 

 
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Income Tax Planning

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Retirement Planning

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Estate Planning

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Investment Allocation

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Budgeting & Debt

 

The Modern Money Advisor Process

 

1.

Establishing and defining the client-planner relationship

2. 

Gathering your data including your goals and pain-points

3.

Analyzing and evaluating your current financial situation and strategy


4.

Developing and presenting recommendations, various alternatives and a game-plan

5.

Helping you implement the recommendations 

6.

Monitoring progress towards goals and updating the plan when needed


We Will Discuss


  • Organizing Your Finances

  • Daily Choices

  • Spending Plan

  • Saving Tools

  • Emotional Money Habits

  • Estate Planning

  • Giving Back / Philanthropy

  • Funding Education

  • Lifestyle

  • Major Savings Goals: Going Back to School, Buying a House, Getting Married, Starting a Business, Starting a Family

  • Caring for Aging Parents

  • Retirement Funding

  • Debt Elimination

  • Ways to Cut Expenses

  • Ways to Increase Savings

  • Your Mindset About Money

  • and more!!


Why Choose a CFP® Professional? 

Most people think all financial planners are “certified”, but this isn’t true. Anyone can use the title “financial planner”. Only those who have fulfilled the certification and renewal requirements of the CFP Board can display the CFP® certification trademarks which represent a high level of competency, ethics and professionalism. And because they are held to a fiduciary standard of care when providing financial planning services, a CFP® professional is required to act in your best interest.

 

CFP® CERTIFICATION REQUIREMENTS:

Education

Unlike many financial advisors, CFP® professionals must develop their theoretical and practical knowledge by completing a comprehensive course of study at a college or university offering a financial planning curriculum approved by CFP Board. Applicants may also satisfy the education requirement by submitting a transcript review or previous financial planning-related course work. Or, they can show that they have attained certain professional designations or academic degrees that cover the important subjects in CFP Board’s financial planning curriculum.

Examination

CFP® professionals must pass the comprehensive CFP® Certification Exam, which tests their abilities to apply financial planning knowledge to real-life situations. The exam covers the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management and insurance. This comprehensive exam ensures that a CFP® professional is highly qualified to develop a plan for your finances.

Experience

CFP® professionals complete several years of experience related to delivering financial planning services to clients prior to earning the right to use the CFP® certification trademarks. This hands-on experience guarantees that CFP® professionals have practical financial planning knowledge, so you can count on them to help you create a realistic financial plan that fits your individual needs.

Ethics

When it comes to ethics and professional responsibility, CFP® professionals are held to the highest of standards. They are obliged to uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence as outlined in CFP Board’s Code of Ethics. The Rules of Conduct require CFP® professionals to put your interests ahead of their own at all times and to provide their financial planning services as a “fiduciary”—acting in the best interest of their financial planning clients. CFP® professionals are subject to CFP Board sanctions if they violate these standards.

Enforcement

CFP Board’s rigorous enforcement of its Standards of Professional Conduct—including releasing disciplinary information to the public—distinguishes the CFP® certification from the many other designations in the financial services industry. Everyone who seeks CFP® certification is subject to a background check, and those whose past conduct falls short of CFP Board’s ethical and practice standards can be barred from becoming certified. After attaining certification, a CFP® professional who violates CFP Board’s ethical and practice standards becomes subject to disciplinary action up to the permanent revocation of certification. Through diligent enforcement of its ethical and practice standards, CFP Board provides you with the confidence that your CFP® professional is both competent and ethical.

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WANT TO LEARN MORE ON YOUR OWN?  Check out the Modern Money Advisor Resources!

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