Financial Needs Analysis or Financial Planning?

Which is best for you: Needs analysis or financial planning?

Financial planning and needs-based analysis are similar in that both require you to have a thorough understanding of your financial situation. Although they have significant overlap somewhat, they differ in some important ways and are used for different purposes.

Comprehensive financial planning is a process that examines your entire financial situation in detail and then identifies solutions to meet your long-term goals. If you're concerned about reducing your tax obligations and leaving an inheritance to your family, for example, financial planning may be the route for you. Working with a financial planner, you'll monitor your progress over time and adjust your plan when your family circumstances change. Learn More.

Needs-based analysis responds to specific concerns with product solutions, such as using life insurance to replace household income in the case of the death of a breadwinner. A licensed professional would determine, for example, what type of annuity would help you create the right income stream during retirement. Learn More.

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IFS-A129613 Ed. 02/2007

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