Probably the most underappreciated key to financial success is the benefit of having a financial plan – especially when it includes a retirement plan. Studies such as the CIRANO study show that people with a financial plan that includes a retirement plan have on average 4.2 times more in investments.

The financial industry and the media give lip-service to financial planning, but then attribute financial success mainly to investing. The truth is that “investing is the last 20% of financial planning”.

You will only understand the benefit of a financial plan after you have one.

On this page, I will add articles over time to walk you through the process of creating a financial plan. Once you understand the process, you can create your own financial plan – or “Work with me” to develop and write your financial plan.

Let’s start with step 1:

Step 1: Understand your values about money