How do you know if you could benefit from the services of a financial planner?  If you simply don’t have the time or desire to plan and manage certain financial aspects of your life, a professional planner might be a good fit.  You may benefit from an objective, third-party perspective on decisions that can be difficult and complex.  In today’s hectic world, a financial planning expert can serve as a coach, helping you maintain focus 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:

Rolling over a retirement plan

  • An inheritance 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 it on your own. However, there are some situations where you may find you need a financial planner, such as:

  • You have little 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

Procrastination is the enemy of financial independence,  and using a financial planner can help keep you on track. There are 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 under different scenarios, and re-evaluating the results when circumstances change.  A good financial planner will work with other professionals, such as your estate planner, tax professional and insurance agent, to coordinate their efforts with your overall financial needs.

Why a CFP® ® Professional?

CFP® ® professionals are dedicated to using the financial planning process to serve the financial needs of individuals, families and businesses. Most CFP® professionals have earned a four-year college degree, and have completed a course of study in financial planning approved by CFP® Board.

To earn the prestigious CFP® ® certification and remain certified as a CFP® professional, individuals must meet four main requirements.


CERTIFIED FINANCIAL PLANNERTM Professionals must successfully complete CFP® Board’s comprehensive certification examination, which tests an individual’s knowledge on various key aspects of financial planning.


CERTIFIED FINANCIAL PLANNERTM Professionals must acquire a minimum of three years of financial planning-related experience before receiving the right to use the CFP® certification marks.


CERTIFIED FINANCIAL PLANNERTM Professionals must voluntarily subscribe to CFP® Board’s Code of Ethics and additional requirements as mandated. CFP® practitioners who violate the code can be disciplined.


CERTIFIED FINANCIAL PLANNERTM Professionals must complete 30 hours of continuing education every two years to stay current in financial planning knowledge, including ethics.

Compliance with these four areas assures you that an individual who holds the CFP® certification mark is well prepared and qualified to give sound, professional advice.

CFP® ®, CERTIFIED FINANCIAL PLANNERTM and federally registered CFP® (with flame logo) are certification marks owned by Certified Financial Planner Board of Standards. These marks are awarded to individuals who successfully complete CFP® Board’s initial and ongoing certification requirements.

If you have any comments or concerns, please don’t hesitate to call us at 408-551-6100 or toll free 800-927-8314 and ask to speak with one of our financial advisors.

Best Regards,

Retirement Capital Strategies
A Registered Investment Advisor
1190 Saratoga Ave, Ste. 140
San Jose, CA 95129
Tel (408) 551-6100

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