Financial Planning is a learned behavior. It starts with planning, but it also includes saving, investing, maximizing expected return, minimizing fees and taxes, and finally, giving back. It involves finding the right balance among working, planning and living--among earning, saving, and spending. A Financial Plan should not be just a document from your financial advisor. A Financial Plan should be a set of goals and values that help frame life's important decisions and guide you to achieve your ambitions.
