Financial planning should cover all areas of your financial needs and should result in the achievement of each of the your goals. The scope of planning would usually include the following:

Risk Management and Insurance Planning- Managing cash flow risks through sound risk management and insurance techniques

Investment and Planning Issues- Planning, creating and managing capital accumulation to generate future capital and cash flows for reinvestment and spending

Retirement Planning- Planning to ensure financial independence at retirement including 401Ks, IRAs etc.

Tax Planning- Planning for the reduction of tax liabilities and the freeing-up of cash flows for other purposes

Estate Planning- Planning for the creation, accumulation, conservation and distribution of assets

Cash Flow and Liability Management- Maintaining and enhancing personal cash flows through debt and lifestyle management

Relationship Management- Moving beyond pure product selling to understand and service the core needs of the client

Education Planning for kids and the family members.