Fiction: Financial plans only make sense for people with a lot of money and/or other assets.

Fact: It's great that you've completed your estate plan, but this is one of those things that is always evolving and never completely done.

Financial planning focuses mainly on goals, and goals are not only for the wealthy. Financial planners frequently assist clients with a single issue, such as:

• Saving for college
• Developing a realistic budget
• Dealing with the financial aftermath of a life change