Holistic Financial Planning* Lifetime ImplicationsFinancially, how prepared are you? Successful people face multiple and complex financial matters. Do you have the time, expertise, and tools to manage them? Do you intend to do it yourself? The decisions you make today have lifetime implications.In other words, are you managing the assets in your care in a manner that will afford the best possibility of achieving you goals?Are you diverting attention away from other important areas of your life to manage a host of financial matters that don't seem to have a common purpose or goal? Do you lack a sense of progress? The sad truth is that most people have not defined and prioritized their goals or their motives.Do you have written goals? Are you on track towards accomplishing your long-term goals?Your financial adviser should:have the experience, credentials, and resources needed to help youassess your current personal and financial situation and concernshelp you identify and prioritize your goals and valueshelp you identify and document your motives (the "why" supporting your goals)help you identify and consider alternatives for pursuing themhelp you decide on the best course of action for addressing thempresent a plan and action list for you to pursue themhelp you implement parts of the plan as appropriateA financial plan is NOT a series of financial recommendations from the adviser which must be followed by a corresponding series of decisions by you. That is not a plan. Frequently, a financial plan is not much more than a sales presentation for products or services. That is also not a plan.Unless your adviser is trained to guide you through a repeatable process of decision making, you will still need to decide whether you want to act on the plan or not!A financial plan in its final form should be a series of decisions made by the client with the help of the planner with regards to the client's goals.Depending on the planning needs of the client, a guided "decision making process" may take the following into consideration:Client valuesSpecific decisions to be madeSpecific objectivesClient prioritiesAcceptable alternative solutionsRisk and reward of various solutionsWith help of a financial planner, the above considerations can be easily applied to not only the financial planing process (below) but any significant business or personal decision.See the "10 Key Questions to Ask Your Financial Planner" for more information including fees.The CFP Board of Standards defines a process for financial planning and recommends a list of financial planning subject areas which are typically addressed during the planning process.*Please call to arrange for a no-cost, no-obligation, exploratory meeting.*See "Financial Planning FAQ - CFP Board"