What is a financial plan?

It's simply your list of short- and long-term goals that are important to you, with an outline of how you're going to use your money to achieve those goals.

A financial plan can help you to:

• Save money you need to realize your goals
• Protect what is most important to you
• Plan for retirement
• Leave something for your family
• Manage your taxes

Where to start?

You may have avoided thinking about your finances until now. But, you're already doing some basic planning if you...

• Set financial priorities each month.
  
• Pay your bills, work to lower your debt, and have a few dollars left each month.

The key is to balance your day-to-day activities with a longer-term financial plan that works toward your future goals and dreams. It's never too late or too early to start your plan