What is Personal Financial Planning?

Financial planning is more than budgeting; more than investing; it's a lifestyle. Every championship team has not only a good offense, but typically, a great defense.

Financial planning is about putting together a total game plan.

Offensively, we'll attack your goals; defensively, we'll explore the options to help cover those unexpected events, that can keep us from staying on track.


  • Identify and define your financial goals and objectives;
  • Determine strategies and solutions that can help you work toward those goals and objectives;
  • Make informed financial decisions based on a plan of action that addresses your specific financial goals, concerns and needs;
  • Dovetail your plans with your other professionals (such as a tax and legal advisor) to remain focused on your short- and long-term goals;
  • Become proactive, rather than reactive, when addressing changes in your life, your tax situation, or economic and financial market conditions;
  • Enhance your family communications and understanding of overall financial goals;
  • Coordinate the various areas of your financial life.


It should address what you care about the most. It should be a plan of action that includes your specific financial needs, both now and for the future, and identifies your objectives over time. It should recommend solutions or steps to help you work toward pursuing your objectives, and keep you focused on your overall goals. Finally, it should be flexible and reflect the changes you and your family will experience over time. The elements of financial planning fall within these three initial key areas of focus.


Preparing your financial plan begins with listening to you, asking questions about your current financial situation, and identifying your goals and priorities. This gathering of information and identifying what you want for yourself and your family becomes the basis of your plan.


Based on your personal information and goals, strategies for you will be determined. This includes proposing solutions designed for your current needs as well as addressing your long-term goals.


Once your personal financial plan is in place, it becomes a blueprint to your financial future. Taking action is the most important step of all. Working together we can take actions as well as review and monitor progress over the years.