Financial planning, an outcropping of the services typically provided by a stock broker or account executive, include investment advice, insurance sales, retirement planning, and various other assessments and planning to meet financial goals.
Thanks to certified financial planner Lon Jeffries for his excellent blog post helping people decide the best approach to cutting expenditures, making ends meet and finding money to save and invest. His column reminds me of similar advice written yeas ago from former Wall Street Journal personal finance writer Jonathan Clements. The media is full of advice on how to count pennies and cut expenses through frugal living. Read Mr. Jeffries' thoughtful comments (backed up by research) at: http://utahfinancialadvisor.blogspot.com/2013/09/setting-your-budget-trim-daily-expenses.html