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Benjamin Daniel
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    Financial Planning Articles (August 26, 2018)

    August 26, 2018

    “Financial Planning Articles” is a collection of articles and research that I’ve been reading regarding financial planning. What I’m Reading: When A Good Offer For A First Financial Advisor Job Really Isn’t (Michael Kitces, Kitces.com) “The key point here is to understand that unfortunately, the financial advisor job offer from a lot of big firms is usually not a good way to start your career as a financial advisor because it’s not a financial advisor job, it’s a financial salesperson job, regardless of what it says on your business card.” ‘Super Robos’ to emerge as digital financial advice evolves (Sean Allocca, Financial-Planning.com) “A super robo would expand far beyond investments to…

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  • CFP Curriculum Discussion Questions

    Fundamentals Chapter 3 Discussion Questions: “Financial Planning Approaches: Analysis and Recommendations”

    August 5, 2018

    Discussion Questions: information relating to the end-of-chapter “Discussion Questions” from the financial planning coursework material through New York University’s CFP® Program (in conjunction with Dalton Education). Discussion Questions for Chapter 3: “Financial Planning Approaches: Analysis and Recommendations” List and define the eight approaches to financial planning analysis and recommendations. Life Cycle approach: Quick data collection; planner gets a brief overview to facilitate a focused first conversation. Usually used early in engagement. Framework based on the idea that client’s age may indicate the life phase: Asset accumulation phase: usually early 20’s until late 50’s when discretionary CF for investing is low and debt-to-net worth is high. Conservation (risk management) phase: usually beings…

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  • CFP Curriculum Discussion Questions

    Fundamentals Chapter 2 Discussion Questions: “Interpersonal Communication & Behavioral Finance”

    August 4, 2018

    Discussion Questions: information relating to the end-of-chapter “Discussion Questions” from the financial planning coursework material through New York University’s CFP® Program (in conjunction with Dalton Education). Discussion Questions for Chapter 2: “Interpersonal Communication & Behavioral Finance” Identify and discuss the 3 general schools of thought for counseling.  Developmental “Believes that human development occurs in stages over time. Relationships that are formed early in life become a template for establishing relationships in adulthood. As to emotions, the Developmental Paradigm assumes that all humans develop and progress in a predictable sequence. Humanistic “Dominated by theorists whose models have their origins from a shared philosophical approach. For a client to grow, the relationship requires…

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  • CFP Curriculum Discussion Questions

    Fundamentals Chapter 1 Discussion Questions: “Introduction to Financial Planning”

    August 4, 2018

    Discussion Questions: information relating to the end-of-chapter “Discussion Questions” from the financial planning coursework material through New York University’s CFP® Program (in conjunction with Dalton Education). Discussion Questions for Chapter 1: “Introduction to Financial Planning” What is personal financial planning? “The process of formulating, implementing, and monitoring financial decisions integrated into a plan that guides an individual or a family to achieve their financial goals.” Define the process of financial planning. “The process of financial planning includes: (1) establishing and defining the client relationship, (2) gathering client data, (3) analyzing and evaluating the client’s financial status, (4) developing and presenting financial plan recommendations, (5) implementing financial plan recommendations, and (6) monitoring the…

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  • CFP Curriculum Recaps

    Fundamentals Chapter 7 Recap: “Time Value of Money”

    August 1, 2018

    Chapter Recaps: my notes to chapters of the financial planning coursework material through New York University’s CFP® Program (in conjunction with Dalton Education). Chapter 7: Time Value of Money Introduction Time Value of Money (TVM) = a mathematical concept that determines the value of money at a point or over a period of time, at a given rate of interest. Present value = the value today of one or more future cash flows discounted to today at an appropriate interest rate. Future value = value at some point in the future of a present amount or amounts after earning a rate of return, for a period of time. TVM allows for…

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