Another group, the Financial Planning Association, offers referrals to CFPS, regardless of whether they take sales commissions (which most do).

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In a speech made to the Financial Planning Association of Minnesota recently, Minneapolis Fed president Narayana Kocherlakota emphasized the need to encourage spending and build up consumer and business confidence in the economy.

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Although it may seem like a secret, real financial planners are to be found, and a good starting point is the advisor search on www.napfa.org, the financial planning association with the highest continuing education requirements and a no-commission mandate.

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Aetna and the Financial Planning Association have teamed up on this site to offer some excellent tools to reference while you make your open enrollment choices, including a glossary of benefits terms (aka, dummy guide) and calculators for health and baby-related expenses.

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He currently serves as a Director of the Washington, DC Estate Planning Council, as Vice-Chair of the Fiduciary Income Tax Committee of the American Bar Association Section of Taxation, and as Co-Chair of the Personal Financial Planning Club of the University Club of Washington DC.

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