The Role of a Certified Financial Planner

Much like a general contractor, a CFP professional isn’t a specialist in every specific area but possesses a deep understanding of the larger financial landscape. They have the skills and experience to guide you through the process of achieving your financial goals.

The process begins with the CFP helping you outline the vision for your finances, understanding your goals, aspirations, and financial circumstances. Together, you’ll identify your short-term and long-term objectives, which could range from saving for retirement to funding your child’s education or even starting a business. Based on this understanding, the CFP assists you in creating a comprehensive financial plan.

Implementing the Plan

With the vision and plan in place, your CFP becomes the focal point who identifies and collaborates with the necessary specialists. This parallels how a general contractor hires plumbers, electricians, roofers, and other professionals for specific tasks. In the financial sphere, the CFP collaborates with estate planning lawyers, tax specialists, investment advisors, insurance agents, and other professionals.

The CFP also acts as a conduit between you and these specialists, ensuring their efforts align with your overarching financial vision. They communicate your goals, provide necessary information, and facilitate collaboration among the specialists, preventing fragmentation and ensuring a unified approach towards your objectives.

Monitoring and Updating

A CFP, much like a general contractor overseeing a building project, consistently monitors and updates the progress towards your financial vision. They regularly review your financial plan, assess the performance of the involved specialists, and make necessary adjustments. They also keep you informed about the progress, address any concerns, and offer guidance on potential modifications to accommodate changing circumstances or goals.

A Holistic Approach to Your Financial Well-Being

By acting as your financial quarterback, the CFP professional or wealth manager allows you to focus on your overall financial health while they handle the details. This holistic approach guarantees that all aspects of your financial life are considered and incorporated into a cohesive strategy. The ultimate goal of a CFP is to help you construct a robust financial foundation and guide you towards achieving your vision of financial success.


Just as a well-built house starts with a vision and the right team, your financial success relies on a comprehensive plan and the guidance of a certified financial planner. With their help, you can turn your financial dreams into a tangible reality.