FINANCIAL PLANNING SERVICES
Making a plan to reach your goals
Most of us have goals in life that call for an investment of a significant amount of time and financial resources. We may have done some planning. However, our natural tendency is to focus on only one or two goals that are most important to us right now. For most people, developing and maintaining a plan to achieve all of their financial goals is a daunting challenge-one we delay taking on.
Our Financial Planners are ready to help you take on that challenge. They can assist you in defining your goals, help you make a plan, and show you how to stick to it. It is never too late to act!
Work with a Financial Planner
Making a plan and sticking to it is sometimes challenging if you go it alone. You don't have to. Work with someone who will help you make a plan, and work with you at your request to change the roadmap as needed. Learn more about why you should choose a Prudential Financial Planner.
Define Your Goals
Prudential's Financial Planners apply a "holistic" approach to financial planning. This means they offer a comprehensive service, assessing your current financial situation and addressing all of your financial goals. Learn more about our comprehensive planning approach.
Set a Plan in Motion
Our planning process centers around you. You and your planner work through the process to identify your needs and goals, develop a strategy, and, at your option after completion of the plan, put your plan into action. Our planners are there to listen, to ask the important questions, to advise you, and to help keep you on the road to financial success.
Contact a Prudential Financial Planner.
courtesy:http://www.prudential.com/view/page/public/12036
Financial Planners A financial planner typically prepares financial plans for his or her clients. The kinds of services financial planners offer can vary widely. Some financial planners assess every aspect of your financial life—including saving, investments, insurance, taxes, retirement, and estate planning—and help you develop a detailed strategy or financial plan for meeting all your financial goals. Other professionals call themselves financial planners, but they may only be able to recommend that you invest in a narrow range of products and sometimes products that aren't securities.
When hiring a financial planner, you should know exactly what services you need, what services the planner can deliver, and any limitations on what he or she can recommend. In addition, you should understand what services you're paying for, how much those services cost, and how the planner gets paid. Financial planners charge for their services in different ways: some charge either a fixed fee or an hourly fee for the time it takes to develop a financial plan, but don’t sell investment products; some are paid by commissions on the products they sell; and others use a combination of fees and commissions.
Financial planners may come from many different educational and professional backgrounds. If you’re considering using a financial planner, be sure to ask about their background. If they have a credential, ask them what it means and what they had to do to earn it.
Some financial planners have credentials like CFP® certification or CFA (Chartered Financial Analyst). Find out what organization issued the credential, and then contact the organization to verify whether the professional you're considering did, in fact, earn the credential and whether the professional remains in good standing with the organization. For a helpful list of various financial industry credentials (including the name of the issuing organization and any education or experience required to attain the credential), please read FINRA's Understanding Investment Professional Designations.
If the professional you're considering claims to be a CFP® certificant, visit the website of the Certified Financial Planner Board of Standards. The Board is an independent regulatory organization that licenses financial planners as CFP® professionals. Check to see if the professional is certified as a CFP® professional and whether his or her certification has been suspended or revoked by the Board. You can also call the Board at (800) 487-1497 to obtain additional disciplinary information about the professional.
The Certified Financial Planner Board of Standards also has brochures – What You Should Know About Financial Planning and Questions to Ask When Choosing a Financial Planner– that will help you identify a financial planner who’s right for you.
courtesy:http://www.sec.gov/answers/finplan.htm
Making a plan to reach your goals
Most of us have goals in life that call for an investment of a significant amount of time and financial resources. We may have done some planning. However, our natural tendency is to focus on only one or two goals that are most important to us right now. For most people, developing and maintaining a plan to achieve all of their financial goals is a daunting challenge-one we delay taking on.
Our Financial Planners are ready to help you take on that challenge. They can assist you in defining your goals, help you make a plan, and show you how to stick to it. It is never too late to act!
Work with a Financial Planner
Making a plan and sticking to it is sometimes challenging if you go it alone. You don't have to. Work with someone who will help you make a plan, and work with you at your request to change the roadmap as needed. Learn more about why you should choose a Prudential Financial Planner.
Define Your Goals
Prudential's Financial Planners apply a "holistic" approach to financial planning. This means they offer a comprehensive service, assessing your current financial situation and addressing all of your financial goals. Learn more about our comprehensive planning approach.
Set a Plan in Motion
Our planning process centers around you. You and your planner work through the process to identify your needs and goals, develop a strategy, and, at your option after completion of the plan, put your plan into action. Our planners are there to listen, to ask the important questions, to advise you, and to help keep you on the road to financial success.
Contact a Prudential Financial Planner.
courtesy:http://www.prudential.com/view/page/public/12036
Financial Planners A financial planner typically prepares financial plans for his or her clients. The kinds of services financial planners offer can vary widely. Some financial planners assess every aspect of your financial life—including saving, investments, insurance, taxes, retirement, and estate planning—and help you develop a detailed strategy or financial plan for meeting all your financial goals. Other professionals call themselves financial planners, but they may only be able to recommend that you invest in a narrow range of products and sometimes products that aren't securities.
When hiring a financial planner, you should know exactly what services you need, what services the planner can deliver, and any limitations on what he or she can recommend. In addition, you should understand what services you're paying for, how much those services cost, and how the planner gets paid. Financial planners charge for their services in different ways: some charge either a fixed fee or an hourly fee for the time it takes to develop a financial plan, but don’t sell investment products; some are paid by commissions on the products they sell; and others use a combination of fees and commissions.
Financial planners may come from many different educational and professional backgrounds. If you’re considering using a financial planner, be sure to ask about their background. If they have a credential, ask them what it means and what they had to do to earn it.
Some financial planners have credentials like CFP® certification or CFA (Chartered Financial Analyst). Find out what organization issued the credential, and then contact the organization to verify whether the professional you're considering did, in fact, earn the credential and whether the professional remains in good standing with the organization. For a helpful list of various financial industry credentials (including the name of the issuing organization and any education or experience required to attain the credential), please read FINRA's Understanding Investment Professional Designations.
If the professional you're considering claims to be a CFP® certificant, visit the website of the Certified Financial Planner Board of Standards. The Board is an independent regulatory organization that licenses financial planners as CFP® professionals. Check to see if the professional is certified as a CFP® professional and whether his or her certification has been suspended or revoked by the Board. You can also call the Board at (800) 487-1497 to obtain additional disciplinary information about the professional.
The Certified Financial Planner Board of Standards also has brochures – What You Should Know About Financial Planning and Questions to Ask When Choosing a Financial Planner– that will help you identify a financial planner who’s right for you.
courtesy:http://www.sec.gov/answers/finplan.htm