Financial Planning Topic Areas

Cash flow management – Personal cash flow management is the process of tracking and planning your income and expenses over a period of time, usually a month. It is important and needed because it can help you better manage and measure your finances, save money for your goals, avoid debt, and achieve financial independence. Read More >

Debt reduction planning – Debt reduction planning is a process of creating a strategy to pay off your debts in an efficient and manageable way. It can help you save money on interest, lower your monthly payments, and improve your credit score. Read More >

Education planning – Education college savings planning is a way of saving money for future education expenses, such as tuition, fees, room and board, and books. Read More >

Estate planning – Estate planning is the thoughtful process of preparing for the management and distribution of a person’s assets. It involves making arrangements during one’s lifetime to ensure that their estate is handled appropriately in the event of future incapacity or death. Read More >

Investment planning – Investment planning is the process of matching your financial goals and objectives with your financial resources. It is a core component of financial planning, and it helps you to achieve your desired outcomes by creating a plan that suits your risk profile, time horizon and preferences. Investment planning can help you to grow your wealth, generate income, save for retirement, or meet other specific needs. Read More >

Psychology of financial planning – Psychological biases are mental shortcuts or errors that can affect your judgment and decision-making. They can also influence how you perceive and interpret information, especially when it comes to money and investing. Read More >

Retirement planning – Retirement planning is the process of preparing for life after you stop working. It involves setting financial goals, saving and investing money, and managing your expenses and income in retirement. Retirement planning can help you achieve your desired lifestyle and avoid running out of money in your later years. Read More >

Risk and insurance planning – Risk and insurance planning is the process of identifying, measuring, and dealing with risks that might affect one’s financial goals. It involves using different methods and products for risk transfer, such as insurance contracts and annuities. Risk and insurance planning can help individuals, businesses, or organizations protect themselves from downside risks and support their growth and change objectives. Read More >

Tax planning – Tax planning is the analysis and arrangement of a person’s financial situation in order to maximize tax breaks and minimize tax liabilities in a legal and efficient manner. Tax planning involves understanding your tax bracket, the difference between tax deductions and tax credits, and the timing of income and expenses. Tax planning can help you reduce your tax bill and save money for your financial goals. Read More >

Simple Path to Improve Your Financial Condition

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Step 1:

Select a Consultation Service

My services are designed to be flexible and meet your needs. Whether you're looking for a basic evaluation, help with a key area of your finances, or comprehensive financial planning, you'll find it here.

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Step 2:

Understand Your Real Financial Condition

Working together we will determine your financial needs. We’ll assess what is effective or problematic, and what is hindering your progress. With a clear understanding of your financial condition, you can make smarter choices.

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Step 3:

Plan a Better Future

Getting the knowledge and guidance you need from a financial professional is an investment in your security and hope for the future. And it’s not just for you, but for the people who depend on you.

David Roberts - Financial Planner and Advisor of Plan For Your Goals

David Roberts, Owner: Plan For Your Goals

You Deserve a Better Future

Affordable financial advice with flexible options that fit into your tight schedule can be difficult to find. That's why so many people struggle to make smart money decisions. At Plan For Your Goals my clients get the financial planning, coaching, and resources they need to make better decisions and plan a better future.