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Ariba's Financial Planning Process
Four simple steps to starting and implementing your financial plan. Step One: Identifying your Goals

Some Examples of Financial Goals

  • Buying a home or second home
  • paying for kids' college education
  • preparing for secure retirement
  • care for aging relatives
  • buying a car
  • finding philanthropic activities

What is it you want to accomplish? When do you want to accomplish it? How much will it cost?



What is Financial Planning?
Financial planning is the long-term process of wisely managing your finances so you can achieve your goals, while at the same time negotiating the financial barriers that arise in every stage of life. It’s not a report the size of a phone book costing you ten thousand dollars. It is a road map. It examines where you are, asks where do you want to go, and gives you a road map for getting there. Financial planning is an ongoing process, not a one-time product. Anyone can benefit from financial planning.

Wheel of Financial Planning

The Benefits of Financial Planning
You may not have the expertise, the time, or the desire to actively plan and manage certain financial aspects of your life. You may want help getting started. You may benefit from an objective, third-party perspective on what are often emotional, difficult decisions. And in today's hectic world, it can be beneficial to have a financial planning expert help you stay focused and follow through with your financial plans.
Often a specific event or need will trigger the desire for professional financial planning guidance. These might include:

  • Making sure your money will last during retirement or rolling over a retirement plan
  • Handling the inheritance of a large sum of money or other unexpected financial windfall
  • Preparing for a marriage or divorce
  • Planning for the birth or adoption of a child
  • Facing a financial crisis such as a serious illness, layoff, or natural disaster
  • Caring for aging parents or a disabled child
  • Coping financially with the death of a spouse or close family member
  • Funding education
  • Buying, selling, or passing on a family business

If you have the time and knowledge — and your financial situation is not too complicated — you may be able to do a lot of it on your own. However, there are some situations where you may find you need a financial planner, such as:

  • You have little or no experience with finances
  • You don't have the inclination to do it
  • You want an objective, outside perspective
  • You have a complex financial situation
  • You don't have the time (Usually the biggest obstacle for “do-it-yourselfers”)

Procrastination is the greatest enemy of financial independence, and using a financial planner will keep you on track. There are some other advantages to using a planner. Some aspects of financial planning may be too complex for most people, such as calculating how long your retirement capital will last or maximizing tax strategies.

Ready to begin? Call us at 800-808-7488 to schedule an appointment or learn more about the financial planning process.


Just starting out?
Learn how to begin your retirement plan and invest the same way institutional investors do. Find out more about beginning your retirement planning


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