The document discusses the importance and benefits of financial planning. It notes that life events like career changes, family expansions, or unexpected expenses can be financially unsettling. However, a sound financial plan can help people make informed choices when facing changes, balance current and future needs and goals, provide a financial cushion for unexpected costs, and achieve peace of mind. The document emphasizes that working with a CFP (certified financial planner) can make a meaningful difference and help ensure people's financial affairs and goals are on track. It stresses the importance of finding an advisor with the CFP designation, as they have undergone rigorous training and are committed to putting clients' interests first.

1. Here’s the Plan.

2. How are you doing financially?
 I’m in control of my finances.
 My loved ones will be looked after when
I’m gone.
 I’m prepared for a financial emergency.  I’ll be able to retire in the lifestyle I want.
 I have enough income to enjoy my life.
 I only pay taxes that are absolutely
necessary.
 I anticipate changing my career in the
next one to five years.
 I will be mortgage free by retirement.
 I anticipate downsizing my home in the
next one to five years.
 My life goals and aspirations are
achievable.
 I anticipate getting married or divorced in
the next year.
 Financially, I have peace of mind.
 I anticipate starting my family in the
next year.
 There’ll be enough money for my
children’s post secondary education.

3. “When life is in transition,
money is in motion.” – Mitch Anthony
Career changes, relocations,
family expansions—or the
many other events that you
plan for, dream about, or don’t
expect at all—can be
financially unsettling.
A sound financial plan
will help you make
informed choices
when faced with life’s
inevitable changes.

4. When you have the right financial plan
for your circumstances…
You can balance what you need and want today
with the personal goals you have for the future.
You won’t wonder whether you can afford the
vacation or the house or the college tuition —
you’ll know.
You can take control of your future and
achieve your personal objectives.
You’ll have a financial cushion when
unexpected expenses crop up.
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5. If you want a sound sleep,
get a sound financial plan.
Most reassuring is
that a good plan will
help you live the life
you want with the
resources you
already have.

6. The Value of Financial Planning
The following slides contain results from The Value of
Financial Planning, a three-year longitudinal study
conducted by FPSC® and the Financial Planning
Foundation to measure the impact of financial planning
on Canadians’ emotional and
financial well-being, as well as
the impact of financial
planning services offered by
CFP® professionals compared
to non-certified advisors.

7. “I feel I am better off after
I have undertaken financial planning”
Canadians with comprehensive plans reported
higher levels of:
85% financial wellbeing
emotional wellbeing
overall contentment
62%
than those without
45%

8. “I can deal with the bumps in life”
60%
Unexpected financial
emergencies
Tough economic times
Loved ones looked after in
the event of my death
28%
Comprehensive
Plan
No PlanFeel prepared to
deal with:
65%
36%
73% 41%

9. Working with a CFP® professional makes a
meaningful difference to Canadians
Canadians Report
CFP®
Professional
Non-Certified
Planner
Their financial affairs are
on track 78% 54%
They have greater peace
of mind 73% 63%
They are closer to achieving
some of their life goals as a
result of planning
70% 61%

10. A professional financial plan requires
a professional financial planner
Today in Canada, outside of Quebec,
anyone can call themselves a financial
planner. There is no regulation that
restricts the use of this title.
So how do you know that the person
you’ve engaged to be your planner has
the appropriate knowledge, skills and
abilities to earn your trust?
Insist on finding
someone who holds
the CFP® designation.

11. Demand the gold standard:
the CFP® designation
Follow internationally recognized standards
of knowledge, skills and abilities
Ethically obligated to put their clients’
interests first
Have completed a rigorous education
program, passed 2 national exams and have 3
years of qualifying work experience
Complete professional education every year
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Don’t settle for less.

12. Here’s the Plan
Financial Planning with
a CFP® Professional
Achievement
of Your
Personal &
Financial
Objectives
Your Current
Financial &
Personal
Situation
Whatever your needs, working with a CFP® professional
is a crucial step in helping you ensure your current and
future financial well-being.

13. Financial Planning Standards Council:
Your assurance of integrity.
Not-for-profit organization
Develops, promotes and enforces
professional standards in financial
planning in Canada
Certification granted by FPSC® provides assurance to
Canadians that the design of their financial future
rests with an appropriately qualified professional who
will put clients’ interests ahead of their own.
Learn more at fpsc.ca

14. Disclaimer
This presentation was initially prepared by Financial
Planning Standards Council (FPSC®).
Comments and opinions based on the presentation
that are expressed by (insert name here) are those of
the CERTIFIED FINANCIAL PLANNER® Professional and
do not necessarily reflect the views of FPSC.
CFP®, CERTIFIED FINANCIAL PLANNER® and CFP (with flame logo) ® are certification trademarks owned outside the U.S. by Financial Planning Standards
Board Ltd. (FPSB). Financial Planning Standards Council is the marks licensing authority for the CFP marks in Canada, through agreement with FPSB. All
other ® are registered trademarks of FPSC, unless indicated. © 2014 Financial Planning Standards Council. All rights reserved.