Core Services CFP Professionals Provide :

1. Financial Planning & Goal Setting.

Understand your current finances (income, expenses, savings).

Set realistic goals (e.g., home purchase, education funding, travel).

Create a step-by-step plan to reach goals.

2. Investment Advice.

Recommend investment strategies based on your risk tolerance and long-term objectives.

Help build diversified portfolios including stocks, bonds, mutual funds, etc.

3. Retirement Planning.

Calculate how much you need to retire comfortably.

Choose tax-efficient retirement accounts and strategies.

4. Tax Planning Guidance.

Suggest ways to legally minimize taxes through smart timing of income, investments, and deductions.

Coordinate with your tax professional when needed.

5. Insurance and Risk Management.

Review your insurance needs (life, health, disability).

Recommend appropriate coverage to protect you and your family.

6. Estate and Legacy Planning.

Advise on wills, trusts, and how to transfer wealth efficiently.

Work with attorneys and tax specialists if required.

 7. Psychology of financial planning.

 Understanding clients attitudes ,values and behaviour to better engage them in the planning process.