A MoneyGuide Financial Plan is a comprehensive evaluation of an individual’s current and future financial state that uses currently known variables to predict future cash flows, asset values and withdrawal plans. We assess a client's future life goals, future wealth transfer plans and future expense levels. We also look at your current net worth, tax liabilities, asset allocation, and future retirement and estate in developing the plan. These will be used along with estimates of asset growth to determine if a person's financial goals can be met in the future, or what steps need to be taken to ensure that they are on track. A good financial plan can alert a client to changes that must be made to ensure a smooth transition through life's financial phases. Your MoneyGuide Financial Plan will be ever evolving as financial changes and goal changes occur over time.