In Part of this series we try to assist Clients looking to shortlist a fee only financial advisor / planner. Client should look at a Planner's research strength, the tools and models he is offering Clients, the amount of face time provided to Clients, time given for follow up calls and the pricing model.

This article is about the merits of creating a financial plan. Understanding the limitations of a financial plan, the reasons why actual results may be different from what was originally planned and why investors need to keep planning despite not meeting projections.