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The Need for Financial Planning

Building a successful financial plan can be- Retirement; taking action today to insure
confusing. As we construct a plan, we findthat the later years are as comfortable and
that our financial lives have many scatteredworry-free  as  possible.
pieces,  like  a  puzzle.
- Estate Planning; recognizing that death is
The pieces of that puzzle, the majorinevitable and planning for the ultimate
financial issues they represent that each oftransfer  of  our  assets  to  our  heirs.
us can expect to face during our lifetime,
include:A coordinated financial plan provides the
framework for achieving financial security.
- Cash Management; more than just balancingThere are steps to achieving this financial
the checkbook, cash management includessecurity and these steps in solving financial
preparing and, most importantly, following aproblems in today's world, take work. Two
budget, using our credit wisely, and keepingbasic  steps  are  involved:
the income tax burden to the lowest level
possible.- Step 1 Choose Your Financial Planning Team;
in our complex, ever-changing world, expert
- Risk Management; there is risk of loss ofhelp is needed. Trained professionals such as
both life and property. Health insurance canyour attorney, CPA, IRS enrolled agent, life
help pay the cost of needed medical care.insurance agent, health insurance agent,
Disability insurance can protect against thesecurities broker, and financial planner are
loss of a person's ability to earn a living.generally  members  of  your  team.
Critical illness insurance can afford some
protection from expending reserved financial- Step 2 Develop Your Plan; with the help of
resources due to an unforeseen major illness.your team, the second step can be taken, that
Life insurance can be used to protect ais, the development of a systematic,
family against the risk of premature death.integrated plan for dealing with the puzzle
Property and casualty insurance can protectand the steps that address your financial
our worldly goods against accident and suchsecurity.
perils  as fire, flood, earthquake and theft.
This is called developing a financial plan.
- Accumulation Goals; we all need to saveYou can choose to ignore these problems until
money for some reason. Educating our childrenit is too late; or you can take steps to put
is one very common goal. Buying a home andthe puzzle together and achieve your
building an investment portfolio are twofinancial security. The most important step
other  typical  accumulation  goals.is the first one.



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