Time to Plan

If you don't have time to do it right, when will you have time to do it over? - John Wooden


In this current environment of economic uncertainty it can be difficult to feel confident in the decisions we make in regards to our financial futures.

One proven way to help you with your financial goals is to create a financial plan.  Studies have shown those with a plan are better off financially with both higher savings and better returns over the long term.  Also a higher percentage feel if "they stick to their financial plan, they will be able to get through any economic downturn or unexpected events."  One of the greatest values of the financial planning process is that it helps improve an individual's financial literacy through "teachable moments." Working with an Advisor helps guide members to make rational and less emotional decisions and it has been shown that "financial education needs to be reinforced through life."

So what is a financial plan?  It is more than just about retirement or investment solutions.  It is about a roadmap to help you achieve your life goals, looking at all your needs including budgeting, credit, and even tax and estate planning.  A plan is about helping you find a balance between today's goals and the future.  It is also an on-going process of review as your needs change; from planning a home purchase, to saving for your child's education to having the retirement you envision.

You do not need significant assets to begin financial planning; you only need a goal to work towards.  In fact, in a recent survey over two thirds of those polled described that they "didn't have much savings or investments, but wanted advice on how to start investing and grow assets" when they began with an Advisor.

So seek out an Advisor who puts financial planning first and can help you map and achieve your goals.