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Learning Center Experience
By Denise Schoenherr, Full-Time Faculty Published December 2013
A financial plan is a comprehensive
approach to managing your financial life. It is used to aid you in preparing
for your short-term and long-term goals. A financial plan includes income,
expenses, investments, and debt. It is a road map that shows where you are now
and how you plan to get to where you want to be in the future financially. Keep
in mind that a financial plan is not written in stone. As you go through life,
circumstances, income, and expenses change and when they do, you should review
and edit your financial plan.
Planning for your financial
security is important at any age. It is never too early or late to start saving
for your retirement, your children’s college education, or that vacation home
you have always wanted to own.
The Personal Financial Planning Process
Personal financial planning is the
process of developing and implementing an approach to meet goals, prepare for
any financial emergency which may arise, and build a more secure financial
future. Money can be a key stressor in personal and family relationships. People
who develop financial plans often have less stress because they do not spend
time worrying about their financial situation. They know where they stand and
the actions they are taking.
Many people think that a financial
plan is only for those who have wealth. This is not true; everyone needs to
plot the best strategies for their future. Financial planning is not a one-time
event but a continuous process. Your plan needs to be re-examined periodically
as changes take place in your life. Life events such as marriage, divorce, the
birth of a child, college education, and retirement can affect the flow of
money coming in and your expenses.
The Life Cycle of Financial Planning
and the Role It plays
Life events can affect your
finances and how money is spent and saved. If you are single, your expenses are
probably less than a person who has two children. Adjusting your financial plan
is necessary each time there is a change in your personal status. Deciding to
attend college, getting married, having children, becoming ill, losing your job,
getting promoted, or retiring all affect your circumstances. Each can affect
your income and, of course, your expenses.
Each time you experience a new life
event, you should review your financial plan to determine if previous financial
choices still pertain to your life situation and current values or if there are
changes that must be made. Events can and will change your standard of living,
which is the lifestyle to which you are accustomed. Standard of living includes
the necessities, comforts, and luxuries enjoyed or desired by an individual or
economy plays an important role in your finances. Inflation is a state of the
economy in which the general price level is increasing. Higher inflation means
that the dollar buys less and does not stretch as far as it did previously. If
you are spending more for your daily needs, this results in less money to save.
When prices go up your purchasing power is reduced. To measure the rate of
inflation, the consumer price index (CPI) is used. The CPI is based on the cost
of a fixed basket of consumer goods and services and is published monthly. This
is also referred to as the cost-of-living index. A depression occurs when the
levels of employment and production are low. When people are not working it means
they are also not purchasing goods. This can result in low or no production of
the goods you may need.
The cost of living in the area in which you live will also
influence your financial wealth. If daily expenditures for convenience items,
gasoline, food, and maintenance goods and services are high in your community,
extra money for savings will be less available because you will need it just to
pay for the necessities of everyday life.
By Cynthia Waddell, PhD, CPA, CFE
By Jerry Taylor
By Geoffrey Vanderpal
By Dr. Denise Schoenherr
By Stanley W. Self, CFE
By Rachel Byers, Full-Time Faculty, School of Business
Accounting firms are taking advantage of some emerging trends.
Change is the name of the game in wealth management!
Most people do not realize there are a variety of jobs in this field.
According to the BLS, employment of insurance sales agents is projected to grow.
Access definitions and FAQs related to accounting.
Access definitions and FAQs related to investments and wealth management.
Access definitions and FAQs related to real estate.
Access definitions and FAQs related to risk and insurance.
Kaplan Real Estate Education's Toby Schifsky looks at the factors to consider when pursuing a real estate career.
Toby Schifsky talks about the importance of goals and action steps for achieving them.
Access preparation and practice advise from Kaplan Financial Education experts Mary Orn and Julie Ramsey.
Maylee talks about her experiences with Kaplan Financial Education and preparing for her exams.
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