FINANCIAL PLANNING KEY

Don't assume you can walk intoa financial planner's office, dumpyour financial records on the desk,and expect the planner to come upwith a financial plan tailored to yourneeds. To ensure that a financialplan meets your expectations, youmust be involved in the process.Among the other common errorsphysicians make when thinkingabout financial planning are:

• Failing to define financial goals;

• Forecasting unrealistic returns;
• Not reviewing the financialplan at least annually; and
• Confusing financial planningwith retirement or tax planning.