Financial planning is a step-by-step approach to achieving one's long-term goals, and acts as a roadmap to guide you through life's journey. Essentially, it helps you be in control of your income, expenses, and investments, allowing you to manage your money and achieve your goals.


Setting Goals

  • Budgeting
  • Emergency fund
  • Insurance
  • Using credit
  • Investing
  • Tax planning
  • Saving for college
  • Retirement planning
  • Estate planning

Income Sources

  • Paycheck
  • Rental income
  • Government benefits
  • Interest
  • Investment income


  • Fixed expenses 
  • Discretionary expenses

Risk Management with Insurance

Common types of insurance  that help protect you and your assets from different risks: 

  • Health insurance
  • Auto insurance
  • Life insurance
  • Property insurance
  • Liability insurance
  • Disability insurance
  • Long-term care insurance

Growth, Income and Stability

  • Growth: Increase in market value
  • Income: Payments of interest or dividends
  • Stability: Protection of original investment

Start Now

  • Don’t put off planning and investing for retirement
  • The sooner you start, the longer your investments have to grow
  • Playing “catch-up” later can be difficult and expensive