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Financial Planning

Why would I need a Financial Plan?

Although it's exciting to see where life's journey takes us, sometimes we wish we had the foresight to predict the unknown. It goes without saying how valuable it would be if we could know, right now, answers to questions like:

  • How much money will I need if I want to retire a little early?
  • Will I be able to afford my child's college tuition?
  • Will there be long-term care needs that a loved one or I will be facing?

Well, as impossible as it is to predict the future, fortunately it is possible to get a better handle on the future landscape of your financial situation-and put yourself in the best possible position to tackle any financial challenges that arise.

The key is putting together a sound financial plan. Putting together such a plan-no matter how simple or complex-is an essential blueprint for building confidence and for understanding how your assets and investments can be best customized to support your short-term and long-term future. It's about creating a level of comfort, protecting what you have as well as those you care for. You can take advantage of Financial Planning to help you:

  • Examine your present financial situation
  • Protect what's important
  • Accumulate wealth
  • Review tax strategies*
  • Plan for retirement
  • Leave a legacy

Understanding where you stand financially, where you want to be, and the most effective way of getting there is one of the most enlightening things you can do. A financial plan helps you envision a clear path of your financial future, and creates an invaluable bigger picture.

A smart, strategic financial plan helps make the unpredictable things in life a lot less overwhelming.  To learn more about Financial Planning please contact Joanna Moran.

* For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.



Most people think all financial planners are “certified,” but this isn’t true. Just about anyone can use the title “financial planner.” Only those who have fulfilled CFP Board's rigorous requirements can call themselves a CFP® professional.

CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can call themselves a CFP® professional.

Accredited Investment Fiduciary® (AIF®) Designees can demonstrate that they have met educational, competence, conduct and ethical standards to carry out a fiduciary standard of care and serve the best interests of their clients.

What is the AIF® Designation?

The Accredited Investment Fiduciary® (AIF®) Designation is a professional certification that demonstrates an advisor or other person serving as an investment fiduciary has met certain requirements to earn and maintain the credential.

The purpose of the AIF® Designation is to assure that those responsible for managing or advising on investor assets have a fundamental understanding of the principles of fiduciary duty, the standards of conduct for acting as a fiduciary, and a process for carrying out fiduciary responsibility.


We’re glad you’re here. Wise financial planning during your divorce process is one of the most important investments you can make in yourself and your future. We provide an array of services to meet the specific needs of you and your family.

What Sets Us Apart?

We understand finances because we are financial advisors. Our divorce financial professionals have earned top designations and certifications, such as CERTIFIED FINANCIAL PLANNERTM and Certified Divorce Financial Analyst® (CDFA®).

The majority of the decisions that you will make in your divorce process may be financial decisions. As financial planners and divorce financial professionals, we bring experience and unique perspective to help you and your family work through the financial issues of your divorce.

What is a Certified Divorce Financial Analyst® (CDFA®) and How Can We Help?

A Certified Divorce Financial Analyst® (CDFA®) is a divorce financial professional. We are a valuable asset during the divorce process, both for clients and other professionals involved the case, because we have a thorough understanding of the financial obstacles that arise during divorce.

We attained this certification to ensure that your needs now and after divorce are heard, assessed properly and explained to achieve a fair and worry-free outcome.

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