Financial Planning Financial Planning is difficult to define. Broadly speaking, financial planning is a method of managing your finances to help achieve certain key goals in life. These goals vary from person to person, but can include:RetirementReducing debtProtecting your familyBuying a businessSaving for educationPlanning for retirementChanging jobsBuilding a second homeMaking a major purchaseChoosing employee benefitsManaging taxesDesigning your legacyFinancial planning begins with collecting current financial information, examining immediate, short-term and long-term goals, and then developing a plan to help reach those goals. Working with your Vermont Wealth & Retirement coach, we help you crystallize your vision and craft a plan to help guide you toward your goals.How Financial Planning Can HelpIf you don’t know where you’re going, you can neither choose a direction nor determine when you’ve arrived at your destination. Engaging in the financial planning process provides a destination and guidance for your financial decisions and milestones by which to gauge your financial performance.A single financial decision can have a ripple effect in many areas of your life. Acquiring a certain asset can divert resources from other investments, increase or decrease your risk or liability, delay your retirement or impact your tax situation. Stockbrokers, insurance agents and accountants are experts in their fields and valuable to your economic wellbeing. But they are focused on one segment of your financial realm. Vermont Wealth & Retirement takes a holistic view or your economic health, giving you the knowledge and vision to help make informed, confident decisions.Professional financial planning can bring specialist expertise to areas of finances where most individuals have only a generalist’s level of proficiency. The talent and drive that brought you financial success may not transfer into creating your own financial plan. An objective view is often needed. At Vermont Wealth & Retirement, we work to help you develop the understanding, perspective and skills to help create a viable financial plan with speed, accuracy and a sense of confidence.CFP® AccreditedThe Vermont Wealth & Retirement leadership, Greg Hammond, is an accredited Certified Financial PlannerTM. The Certified Financial Planner Board of Standards examines the performance of financial services professionals to ensure commitment to the highest ethical behavior and industry competency.As a Certified Financial PlannerTM, Greg Hammond voluntarily submits to this rigorous certification program. The certification program demonstrates Vermont Wealth & Retirement’s commitment to outstanding education, examination, experience and scrupulous ethical standards.Financial planning views your financial situation and objectives from the broadest perspective. It ties various elements together into an integrated, cohesive, executable plan. With Vermont Wealth & Retirement, you will have a plan, designed to help reach your goals and an advisor committed to your success.