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Why Should I Do Financial Planning?

Why Should I Do Financial Planning?

January 16, 2024

Every family has plans and goals. You might not talk about them. You might not have them written down anywhere. But we all have things that matter to us. Things we value. Things we would like to enhance or improve over time. Having these goals is different than having a plan to bring those goals to life. That’s where comprehensive financial planning comes in.

Regular readers might remember that I am a Behavioral Financial Advisor™ and as part of that training we talked about how important investor behavior is to financial planning success. In a comprehensive financial plan we talk about values and focus our choices are around how to serve those values best. 

Most of us have some less-than-great financial habits. Without advice, we will probably continue those habits. If we carefully reflect on how are choice align with our values we just might be able to improve. And that is what true Financial Planning really is.

I think the sketch above from Carl Richards CFP® captures it. Financial planning helps you focus your financial resources on your values. Because when you think about it, all of us only have four things to invest:

  • Our Money.
  • Our Time.
  • Our Energy.
  • Our Attention.

If we are intentional and disciplined, we can harness those four resources to serve our values. Then we will know true financial success. 

I suggest that the first step on the journey is to clarify your values. You can do that by completing the exercise found at this LINK. After you finish, you will have your 5 top values and you could share them with me if you like at rdunn@dunncreekadvisors.com.

Clarifying your values is a great place to start a conversation with an experienced, highly-trained, CERTIFIED FINANCIAL PLANNER™ professional and Behavioral Financial Advisor. Together you could sharpen your focus a bit and begin to create a great financial plan. I love to meet new people. So, follow this LINK to find a time for us to have a get-acquainted visit.

I am a financial planner who is an advocate for my clients ALL THE TIME – a fiduciary financial planner. I provide guidance based on clients’ best interests, not commissions or sales quotas. I think it’s the best way to serve clients and I am thrilled to work this way all the time.

And yes, I’m still taking on a few great families to be part of my financial planning practice this year.

Dunncreek Advisors does not provide legal or tax advice, nor is this article intended to do so.