--- title: Protect Yourself with Holistic Financial Planning description: Holistic Financial Planning is a comprehensive evaluation and coordination of Financial, Investment, Business Succession and Fringe Benefit Planning. image: http://www.4tfg.com/hubfs/Blog/Protect-Yourself-with-Holistic-Financial-Planning.jpg --- [![4thought\_footer-logo.png](https://www.4tfg.com/hs-fs/hubfs/4thought_footer-logo.png?width=335&height=101&name=4thought_footer-logo.png "4thought_footer-logo.png")](https://www.4tfg.com/) - [![4Thought Financial Group](https://www.4tfg.com/hubfs/4thought_footer-logo.png)](https://www.4tfg.com/) [![4Thought Financial Group Compass](https://www.4tfg.com/hubfs/4Though-Compass.png)](https://www.4tfg.com/) - [About 4Thought](https://www.4tfg.com/investment-methodology) - [Our Investment Methodology](https://www.4tfg.com/investment-methodology) - [Management Team](https://www.4tfg.com/management) - [In the Media](https://www.4tfg.com/media) - [Contact](https://www.4tfg.com/contact) - [Services](https://www.4tfg.com/investing) - [Private Individual Investing](https://www.4tfg.com/investing) - [SMAs for RIA /Institutional /Family Office](https://www.4tfg.com/financial-advisors-and-institutions) - [Services for CPAs](https://www.4tfg.com/cpa-investing-services) - [Private Wealth Management](https://www.4tfg.com/wealth-management) - [Retirement Plan Services](https://www.4tfg.com/retirement-plan-services) - [Resources](https://www.4tfg.com/resources) - [Financial News](https://www.4tfg.com/resources) - [Portfolio Review](https://www.4tfg.com/portfolio-review) - [Investment Performance](https://www.4tfg.com/performance-requests) - [CPA Continuing Education](https://www.4tfg.com/cpe-continuing-education) - [FAQs](https://www.4tfg.com/faq) - [FAQs](https://www.4tfg.com/faq) - [Contact](https://www.4tfg.com/contact) - Log In - [Goldman Sachs Accounts](https://custodysolutions.gs.com/client-app) - [Wealth Management](https://wealth.emaplan.com/ema/SignIn?ema) - [Consolidated Reporting](https://client.myadvisorlink.com/auth/users/webportal/4tfg) - [Retirement Plan Services](https://www.4tfg.com/rps-login) - - Log In - [Goldman Sachs Accounts](https://custodysolutions.gs.com/client-app) - [Wealth Management](https://wealth.emaplan.com/ema/SignIn?ema) - [Consolidated Reporting](https://client.myadvisorlink.com/auth/users/webportal/4tfg) - [Retirement Plan Services](https://www.4tfg.com/rps-login) ## 4Thought Investing Resources ## 4Thought Investing Resources [Financial News](https://www.4tfg.com/resources/) [Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) [Personal Finance](https://www.4tfg.com/resources/topic/personal-investing) [Business Finance](https://www.4tfg.com/resources/topic/business-finance) [For Professionals](https://www.4tfg.com/resources/topic/financial-professionals)[Compass and Crosshairs](https://www.4tfg.com/resources/topic/compass-and-crosshairs) SUBSCRIBE Subscribe for free tips and articles to help you lead a smarter financial life. [Financial News](https://www.4tfg.com/resources) ,[Financial Planning](https://www.4tfg.com/resources/topic/financial-planning) # Protect Yourself with Holistic Financial Planning Holistic Financial Planning is a comprehensive evaluation and coordination of Financial, Investment, Business Succession and Fringe Benefit Planning. \[fa icon="calendar"\] Mar 29, 2017, 10:24:49 AM by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial) ![Protect Yourself with Holistic Financial Planning](http://www.4tfg.com/hubfs/Blog/Protect-Yourself-with-Holistic-Financial-Planning.jpg) Info Sheet - PDF Download [![](https://www.4tfg.com/hubfs/Collateral/Wealth-Management.png "Wealth Management and Financial Planning")](https://www.4tfg.com/hubfs/Collateral/Wealth-Management.pdf) ### **Wealth Management by 4Thought Financial Group** "The comprehensive wealth management we provide involves the coordination and execution of four different types of financial planning: Investment Planning, Estate Planning, Business Succession Planning and Fringe Benefit Planning." [View the PDF](https://www.4tfg.com/hubfs/Collateral/Wealth-Management.pdf) [Save the PDF](https://www.4tfg.com/hubfs/Collateral/Wealth-Management.pdf.zip) [*Learn more about Wealth Management and Financial Planning*](https://www.4tfg.com/wealth-management) You may have heard of holistic financial planning. As its name suggests, it is a method of financial planning that encompasses many different aspects of income and capital management, from planning for the education of your children, to saving and investing for retirement, to estate and business succession planning. According to Kiplinger [research](http://www.kiplinger.com/article/investing/T023-C032-S014-the-value-of-a-holistic-approach-to-financial-plan.html), holistic financial planning, and in particular in the area of investment, could net you 1.5 percent more in average annual returns. Holistic financial planning strategies are centered on the entirety of a person's life, and focus on both their financial present and future. When you appoint a holistic financial planning expert, they will collect together all relevant financial information and create a plan that not only defines a financial plan for you to follow now, but which also sets lifetime objectives that will help you to save money, invest wisely and prepare for a future without debt and with wealth to sustain you through retirement. ## The Value of Holistic Financial Planning Throughout your lifetime, you may approach financial planning in a somewhat haphazard or sporadic way, only seeking out advice and support when you need it. This approach can work well enough in the short-term, but what about the bigger picture? By taking a new holistic approach to your financial planning, you can experience the following benefits: - Holistic financial planning can help you to avoid wandering aimlessly without a purpose. It brings together and integrates all financial elements of your life in one comprehensive and actionable plan. - Discover the financial plan that best fits your life now and as you progress along your financial journey. - Expert advice throughout every stage of your life that ensures you are making the best decisions with your money and with realistic financial goals in mind. ## The Holistic Financial Planning Process **Discovery** - Your holistic financial expert will discuss everything that is most important to you in life, such as your career, family, home, business interests and plans for the future. They will also discuss your financial concerns, so that these can be addressed as quickly as possible to get your financial goals on track. **Planning** - During the discovery phase, your financial planner will take into account all areas of your current personal situation, gauging your priorities and life goals and building the foundations of a sound, flexible and beneficial holistic financial plan. **Solutions** - During the planning phase, your financial planner will recommend specific concepts and solutions designed to help you hit your goals and targets. From here, a customized plan will be formulated and tailored to your individual situation and needs. **Monitoring** - Possibly the most important phase of the holistic financial planning process is continuous monitoring of your position. You know how it goes - just when you thought your finances were on track, life happens. Just one unexpected expense, an illness or a fluctuation in the financial markets can change everything. Your holistic financial planner will help you to prepare for the unexpected, anticipate and address changes, and adjust your financial plans if required. ## Final Thoughts We are all on a journey, and while life may throw the odd curveball here and there, there are many ways you can prepare yourself for a more certain and secure financial future. [Comprehensive financial planning](https://www.4tfg.com/wealth-management) will help you to create a roadmap that gets you where you want to be so that you feel confident you are receiving the best advice and support along the way. ## Was this article helpful to you? ### Subscribe to our newsletter for free tips and articles to help you lead a smarter financial life. ### Related posts [![Understanding Risk in Investing - Part 3 - Investment Methods and Risk Premiums](https://www.4tfg.com/hubfs/Understanding%20Risk%20in%20Investing%20-%20Part%203%20-%20Investment%20Methods%20and%20Risk%20Premiums%2010-13-20%20-%20Thumbnail.jpg)](https://www.4tfg.com/resources/understanding-risk-in-investing-part3-0-1-0) [![Understanding Risk in Investing - Part 2 - Modern Portfolio Theory Quantitative Tools and Statistics](https://www.4tfg.com/hubfs/BaseCamp_Archive/attachments/332823384-all-with-graphic.png)](https://www.4tfg.com/resources/understanding-risk-in-investing-part2-0-1) [![Understanding Risk in Investing - Part 1 - Common Types of Risk and Risk Management Tools](https://www.4tfg.com/hubfs/Understanding%20Risk%20in%20Investing%20-%20Part%201%20-%20Common%20Types%20of%20Risk%20and%20Risk%20Management%20Tools%2010-12-20%20-%20Thumbnail-1.jpg)](https://www.4tfg.com/resources/understanding-risk-in-investing-part1-0) ## Leave a Comment ### Search 4tfg.com This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ### **What Type of Investor Are You?** You have unique investment goals. 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Information throughout this site, including, but not limited to, stock quotes, charts, articles or any other statement or statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. Neither we nor our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY LINKED WEBSITE. Any opinions presented here are subject to change at any time without notice. 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The GIPS firm definition excludes any third party asset management programs over which 4Thought maintains oversight advisory agreements on behalf of its clients, any arrangements under which 4Thought provides recommendations for client self-implementation, and any assets under advisory but not under direct management (in which 4Thought provides allocation changes or trading signals to third party firms but does not take discretion over the trading of client accounts). 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