Financial Planning What is Financial Planning?Financial planning is an ongoing process to help you make sensible decisions about money that can help you work towards achieving your goals in life. It's not just about buying products like life insurance, an IRA, or stocks. Marci Bair is a fee-based CERTIFIED FINANCIAL PLANNER™ Professional, who adheres to the fiduciary and ethical standard of the the CFP Board. If you choose Bair Financial Planning, you can be confident that the 7 areas listed below will be analyzed. Here are common scenarios we help analyze for clients:What is an ideal age for us to retire?When should I elect my Social Security benefits?Are my investments allocated properly based on my age, goals, and risk tolerance? (Discover your risk score)My company offers a pension plan - what options should I elect at retirement?Do I need Life Insurance or Long Term Care insurance?What's the most appropriate way to pay for my child's college education?How much house can I afford and what type of mortgage is right for me?Should I pay my mortgage off sooner?What is the most suitable strategy for my company's stock options?Do you offer investments that take into account environmental and social issues? (Learn about our High Impact Portfolios)If you would like a consultation or second opinion please feel free to contact us for a time to chat.