
<!DOCTYPE html>
<html lang="en" class="no-js">
<head>
<meta charset="utf-8">
<meta http-equiv="X-UA-Compatible" content="IE=edge">

<link rel="shortcut icon" href="https://static.twentyoverten.com/58d563ba203dcd1251c187e0/favicon/SJBuFV1qW-favicon.ico" type="image/x-icon">

<meta name="viewport" content="width=device-width,initial-scale=1">
<meta http-equiv="cleartype" content="on">
<meta name="robots" content="noodp">

<!-- Title & Description -->
<title>Why Plan? — Conceptual Financial Advisors</title>
<meta name="description"
content="HELPING YOU GET ON TRACK™ and STAY ON TRACK™. We specialize in fee-based comprehensive financial planning, investment advice and management, and consulting on corporate retirement plans.">
<!-- Open Graph -->
<meta property="og:site_name" content="Conceptual Financial Advisors">
<meta property="og:title" content="Why Plan?">
<meta property="og:description" content="">
<meta property="og:url" content="https://ontrackadvisor.com/my-first-financial-planner/why-plan">
<meta property="og:type" content="website">

<meta itemprop="name" content="Why Plan?">
<meta itemprop="description" content="">
<meta itemprop="url" content="https://ontrackadvisor.com/my-first-financial-planner/why-plan">
<!-- Twitter Card -->
<meta name="twitter:card" content="summary_large_image">
<meta name="twitter:title" content="Why Plan?">
<meta name="twitter:description" content="">


<!-- Mobile App Settings -->

<link rel="apple-touch-icon" href="https://static.twentyoverten.com/58d563ba203dcd1251c187e0/favicon/SJBuFV1qW.png">

<meta name="apple-mobile-web-app-capable" content="yes">
<meta name="apple-mobile-web-app-status-bar-style" content="black">
<meta name="apple-mobile-web-app-title" content="Why Plan?">

<!-- Prefetch -->
<link rel="dns-prefetch" href="https://static.twentyoverten.com">

<style>
@import 'https://fonts.googleapis.com/css?family=Playfair+Display:000,000i|Lato:000,000i';
</style>
<link href="/assets/frameworks/assets/dist/css/global.css" rel="stylesheet">
<link href="/assets/frameworks/themes/rod-cone/3.0.0/assets/dist/css/main.css" rel="stylesheet">
<link href="/assets/css/custom.css" rel="stylesheet">


<style>
/*---- Header ----*/
#logo a{
  max-width:400px;
}

#logo h1 {
  font-size: 1.2rem;
}

@media (min-width: 820px) {
#logo{
  width:300px;
}

#logo h1 {
  font-size: 1.6rem;
}
}

h4 {
  font-size: 0.95rem;
}

h1, h3 {
  letter-spacing: 1.5px;
}

#header.nav-scrolled {
  background: #1f1f1f;
}



@media (min-width: 820px) {.member-item.show-1-up {
    display: flex;
    flex-basis: 100%;
    width: 100%;
    max-width: 1200px;
    flex-direction: row;
    margin: 2rem 0px;
    padding: 0px 1.5rem;
}

.member-item.show-1-up .thumbnail {
    -ms-flex: 0 1 25%;
    flex: 0 1 25%;
}
}

.member-item.show-1-up .member-details {
  margin:0;
}

/* accordion dashboard styles */
.editable .toggle-accordion {
  pointer-events:none;
}
.editable .accordion-content {
  position:relative;
  display:block;
  border: dashed 2px #aaa;
  margin:1rem auto;
}
.editable .accordion-content::before  {
  content: 'Accordion Content';
    display: block;
    position: absolute;
    bottom: 100%;
    left: -1px;
    background: #333;
    color: white;
    font-size: 9px;
    text-transform: uppercase;
    font-weight: 600;
    padding: .5em 1em;
    border-radius: 4px;
    border-bottom-left-radius: 0;
    border-bottom-right-radius: 0;
    opacity:.7;
} 
/* end accordion dashboard styles */

/* add a plus sign that turns into a minus when the accordion is open */
 
.accordion .toggle-accordion {
    padding-left: 12px;
    position: relative;
    display: inline-block;
}
 
.accordion .toggle-accordion::before, 
.accordion .toggle-accordion::after {
    content: '';
    position: absolute;
    left: 0px;
    top: calc(50% - 11px);
    height: 12px;
    width: 2px;
    background: #FFFFFF;
    transition: all .25s ease;
}
 
.accordion .toggle-accordion::after {
    transform: rotate(90deg);
}
 
.accordion .toggle-accordion.open::before {
    height: 0px;
}
</style>




</head>


<body class="standard-page why-plan has-bg is-lander" >
<svg style="position: absolute; width: 0; height: 0; overflow: hidden;" version="1.1"
xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink">
<defs>
<symbol id="icon-facebook" viewBox="0 0 24 24">
<title>facebook</title>
<path
d="M12 0.48c-6.362 0-11.52 5.158-11.52 11.52s5.158 11.52 11.52 11.52 11.52-5.158 11.52-11.52-5.158-11.52-11.52-11.52zM14.729 8.441h-1.732c-0.205 0-0.433 0.27-0.433 0.629v1.25h2.166l-0.328 1.783h-1.838v5.353h-2.044v-5.353h-1.854v-1.783h1.854v-1.049c0-1.505 1.044-2.728 2.477-2.728h1.732v1.897z">
</path>
</symbol>
<symbol id="icon-twitter" viewBox="0 0 24 24">
<title>twitter</title>
<path
d="M12 0.48c-6.362 0-11.52 5.158-11.52 11.52s5.158 11.52 11.52 11.52 11.52-5.158 11.52-11.52-5.158-11.52-11.52-11.52zM16.686 9.917c0.005 0.098 0.006 0.197 0.006 0.293 0 3-2.281 6.457-6.455 6.457-1.282 0-2.474-0.374-3.478-1.020 0.176 0.022 0.358 0.030 0.541 0.030 1.063 0 2.041-0.361 2.818-0.971-0.992-0.019-1.83-0.674-2.119-1.574 0.138 0.025 0.28 0.040 0.426 0.040 0.206 0 0.408-0.028 0.598-0.079-1.038-0.209-1.82-1.126-1.82-2.225v-0.028c0.306 0.169 0.656 0.272 1.028 0.284-0.61-0.408-1.009-1.102-1.009-1.89 0-0.415 0.112-0.806 0.307-1.141 1.12 1.373 2.79 2.275 4.676 2.372-0.040-0.167-0.059-0.34-0.059-0.518 0-1.252 1.015-2.269 2.269-2.269 0.652 0 1.242 0.276 1.656 0.718 0.517-0.103 1.002-0.29 1.44-0.551-0.169 0.529-0.528 0.974-0.997 1.256 0.46-0.056 0.896-0.178 1.303-0.359-0.304 0.455-0.689 0.856-1.132 1.175z">
</path>
</symbol>
<symbol id="icon-instagram" viewBox="0 0 24 24">
<title>instagram</title>
<path
d="M12.1,9.4c-1.6,0-2.9,1.3-2.9,2.9c0,1.6,1.3,2.9,2.9,2.9c1.6,0,2.9-1.3,2.9-2.9C15,10.8,13.7,9.4,12.1,9.4z M12.1,14 c-0.9,0-1.7-0.7-1.7-1.7c0-0.9,0.7-1.7,1.7-1.7c0.9,0,1.7,0.7,1.7,1.7C13.7,13.3,13,14,12.1,14z">
</path>
<path
d="M12,0.5C5.6,0.5,0.5,5.6,0.5,12S5.6,23.5,12,23.5S23.5,18.4,23.5,12S18.4,0.5,12,0.5z M17.5,14.9c0,1.4-1.2,2.6-2.6,2.6H9.1 c-1.4,0-2.6-1.2-2.6-2.6V9.1c0-1.4,1.2-2.6,2.6-2.6h5.9c1.4,0,2.6,1.2,2.6,2.6V14.9z">
</path>
<circle cx="15.1" cy="8.7" r="0.8"></circle>
</symbol>
<symbol id="icon-linkedin" viewBox="0 0 24 24">
<title>linkedin</title>
<path
d="M12 0.48c-6.362 0-11.52 5.158-11.52 11.52s5.158 11.52 11.52 11.52 11.52-5.158 11.52-11.52-5.158-11.52-11.52-11.52zM9.18 16.775h-2.333v-7.507h2.333v7.507zM7.999 8.346c-0.737 0-1.213-0.522-1.213-1.168 0-0.659 0.491-1.165 1.243-1.165s1.213 0.506 1.228 1.165c0 0.646-0.475 1.168-1.258 1.168zM17.7 16.775h-2.333v-4.16c0-0.968-0.338-1.626-1.182-1.626-0.644 0-1.027 0.445-1.196 0.874-0.062 0.152-0.078 0.368-0.078 0.583v4.328h-2.334v-5.112c0-0.937-0.030-1.721-0.061-2.395h2.027l0.107 1.043h0.047c0.307-0.49 1.060-1.212 2.318-1.212 1.535 0 2.686 1.028 2.686 3.239v4.439z">
</path>
</symbol>
<symbol id="icon-google" viewBox="0 0 24 24">
<title>google</title>
<path
d="M12 0.48v0c6.362 0 11.52 5.158 11.52 11.52s-5.158 11.52-11.52 11.52c-6.362 0-11.52-5.158-11.52-11.52s5.158-11.52 11.52-11.52zM18.125 11.443h-1.114v-1.114h-1.114v1.114h-1.114v1.114h1.114v1.114h1.114v-1.114h1.114zM9.773 11.443v1.336h2.21c-0.089 0.573-0.668 1.681-2.21 1.681-1.331 0-2.416-1.102-2.416-2.461s1.086-2.461 2.416-2.461c0.757 0 1.264 0.323 1.553 0.601l1.058-1.019c-0.679-0.635-1.559-1.019-2.611-1.019-2.155 0-3.897 1.743-3.897 3.897s1.743 3.897 3.897 3.897c2.249 0 3.742-1.581 3.742-3.808 0-0.256-0.028-0.451-0.061-0.646h-3.68z">
</path>
</symbol>
<symbol id="icon-youtube" viewBox="0 0 24 24">
<title>youtube</title>
<path
d="M13.924 11.8l-2.695-1.258c-0.235-0.109-0.428 0.013-0.428 0.274v2.369c0 0.26 0.193 0.383 0.428 0.274l2.694-1.258c0.236-0.11 0.236-0.29 0.001-0.401zM12 0.48c-6.362 0-11.52 5.158-11.52 11.52s5.158 11.52 11.52 11.52 11.52-5.158 11.52-11.52-5.158-11.52-11.52-11.52zM12 16.68c-5.897 0-6-0.532-6-4.68s0.103-4.68 6-4.68 6 0.532 6 4.68-0.103 4.68-6 4.68z">
</path>
</symbol>
<symbol id="icon-vimeo" viewBox="0 0 24 24">
<title>vimeo</title>
<path
d="M12 0.48c-6.362 0-11.52 5.158-11.52 11.52s5.158 11.52 11.52 11.52 11.52-5.158 11.52-11.52-5.158-11.52-11.52-11.52zM17.281 9.78c-0.61 3.499-4.018 6.464-5.041 7.141-1.025 0.674-1.961-0.272-2.299-0.989-0.389-0.818-1.552-5.248-1.856-5.616-0.305-0.367-1.219 0.368-1.219 0.368l-0.443-0.593c0 0 1.856-2.26 3.269-2.54 1.498-0.3 1.495 2.341 1.855 3.809 0.349 1.42 0.583 2.231 0.887 2.231 0.305 0 0.887-0.79 1.523-2.004 0.638-1.214-0.026-2.287-1.273-1.524 0.498-3.048 5.208-3.782 4.598-0.283z">
</path>
</symbol>
<symbol id="icon-tumblr" viewBox="0 0 24 24">
<title>tumblr</title>
<path
d="M12 0.48c-6.362 0-11.52 5.158-11.52 11.52s5.158 11.52 11.52 11.52 11.52-5.158 11.52-11.52-5.158-11.52-11.52-11.52zM15.092 16.969c-0.472 0.226-0.898 0.382-1.279 0.474-0.382 0.089-0.794 0.136-1.237 0.136-0.504 0-0.949-0.066-1.337-0.194s-0.718-0.312-0.991-0.551c-0.274-0.236-0.463-0.492-0.569-0.76-0.106-0.27-0.158-0.659-0.158-1.168v-3.914h-1.219v-1.577c0.431-0.143 0.804-0.347 1.112-0.614 0.308-0.265 0.557-0.583 0.743-0.956 0.187-0.372 0.316-0.848 0.386-1.422h1.568v2.82h2.616v1.75h-2.616v2.862c0 0.647 0.034 1.062 0.102 1.244 0.067 0.185 0.193 0.33 0.378 0.44 0.245 0.148 0.524 0.222 0.836 0.222 0.559 0 1.114-0.185 1.666-0.553v1.762h-0.001z">
</path>
</symbol>
<symbol id="icon-yelp" viewBox="0 0 24 24">
<title>yelp</title>
<path
d="M12 0.48v0c6.362 0 11.52 5.158 11.52 11.52s-5.158 11.52-11.52 11.52c-6.362 0-11.52-5.158-11.52-11.52s5.158-11.52 11.52-11.52zM13.716 13.671v0c0 0-0.3-0.080-0.499 0.122-0.218 0.221-0.034 0.623-0.034 0.623l1.635 2.755c0 0 0.268 0.363 0.501 0.363s0.464-0.193 0.464-0.193l1.292-1.864c0 0 0.131-0.235 0.133-0.441 0.005-0.293-0.433-0.373-0.433-0.373l-3.059-0.991zM13.062 12.406c0.156 0.268 0.588 0.19 0.588 0.19l3.052-0.9c0 0 0.416-0.171 0.475-0.398 0.058-0.228-0.069-0.503-0.069-0.503l-1.459-1.734c0 0-0.126-0.219-0.389-0.241-0.29-0.025-0.467 0.329-0.467 0.329l-1.725 2.739c0.001-0.001-0.151 0.272-0.007 0.519v0zM11.62 11.338c0.359-0.089 0.417-0.616 0.417-0.616l-0.024-4.386c0 0-0.054-0.541-0.295-0.688-0.378-0.231-0.49-0.111-0.598-0.095l-2.534 0.95c0 0-0.248 0.083-0.377 0.292-0.185 0.296 0.187 0.73 0.187 0.73l2.633 3.624c0 0 0.26 0.271 0.591 0.189v0zM10.994 13.113c0.009-0.338-0.402-0.542-0.402-0.542l-2.724-1.388c0 0-0.404-0.168-0.6-0.051-0.149 0.089-0.283 0.252-0.295 0.394l-0.177 2.204c0 0-0.026 0.382 0.072 0.556 0.139 0.246 0.596 0.075 0.596 0.075l3.18-0.709c0.123-0.084 0.34-0.092 0.352-0.539v0zM11.785 14.302c-0.273-0.141-0.6 0.151-0.6 0.151l-2.129 2.366c0 0-0.266 0.362-0.198 0.584 0.064 0.208 0.169 0.312 0.318 0.385l2.138 0.681c0 0 0.259 0.054 0.456-0.003 0.279-0.082 0.227-0.522 0.227-0.522l0.048-3.203c0 0.001-0.011-0.308-0.26-0.438v0z">
</path>
</symbol>
<symbol id="icon-rss" viewBox="0 0 24 24">
<title>rss</title>
<path
d="M11.994 0.48c-6.362 0-11.514 5.152-11.514 11.514s5.152 11.514 11.514 11.514c6.362 0 11.514-5.152 11.514-11.514s-5.152-11.514-11.514-11.514v0zM9.112 16.68c-0.788 0-1.432-0.644-1.432-1.432s0.644-1.432 1.432-1.432c0.788 0 1.432 0.644 1.432 1.432s-0.644 1.432-1.432 1.432v0zM12.788 16.68c0-2.82-2.287-5.108-5.108-5.108v-1.499c3.642 0 6.607 2.954 6.607 6.607h-1.499zM15.775 16.68c0-4.475-3.631-8.095-8.095-8.095v-1.499c5.296 0 9.594 4.297 9.594 9.594h-1.499z">
</path>
</symbol>
<symbol id="icon-email" viewBox="0 0 24 24">
<title>email</title>
<path
d="M12,0A12,12,0,1,0,24,12,12,12,0,0,0,12,0Zm5.964,8.063L12.2,12.871a0.419,0.419,0,0,1-.391,0L6.036,8.063H17.964ZM5.2,8.724l4.084,3.4L5.2,15.293V8.724Zm0.87,7.213L10.1,12.8l1.044,0.866a1.341,1.341,0,0,0,1.718,0L13.9,12.8l4.027,3.133H6.07Zm12.73-.644-4.084-3.17,4.084-3.4v6.569Z">
</path>
</symbol>
<symbol id="icon-podcast" viewBox="0 0 24 24">
<title>podcast</title>
<path
d="M12,0A12,12,0,1,0,24,12,12,12,0,0,0,12,0ZM10.1,7.9a1.9,1.9,0,0,1,3.793,0v3.793a1.9,1.9,0,1,1-3.793,0V7.9Zm2.519,8.03V18H11.378V15.926a4.386,4.386,0,0,1-3.793-4.237H8.652A3.281,3.281,0,0,0,12,14.918a3.281,3.281,0,0,0,3.348-3.229h1.066A4.386,4.386,0,0,1,12.622,15.926Z">
</path>
</symbol>
<symbol id="icon-phone" viewBox="0 0 24 24">
<title>phone</title>
<path
d="M12,0A12,12,0,1,0,24,12,12,12,0,0,0,12,0Zm6,15.47a.58.58,0,0,1-.178.509l-1.69,1.678a.968.968,0,0,1-.3.216,1.251,1.251,0,0,1-.362.114c-.009,0-.034,0-.077.007s-.1.006-.165.006a5.653,5.653,0,0,1-2.1-.489,11.2,11.2,0,0,1-1.773-.973,13.188,13.188,0,0,1-2.11-1.78,13.977,13.977,0,0,1-1.475-1.677A12.061,12.061,0,0,1,6.824,11.6a7.983,7.983,0,0,1-.533-1.233,6.473,6.473,0,0,1-.242-.954A3.217,3.217,0,0,1,6,8.784c.009-.153.013-.237.013-.254a1.247,1.247,0,0,1,.114-.363.967.967,0,0,1,.216-.3L8.032,6.178A.559.559,0,0,1,8.439,6a.475.475,0,0,1,.292.095.872.872,0,0,1,.216.236l1.361,2.58a.62.62,0,0,1,.063.445.794.794,0,0,1-.216.407l-.623.623a.2.2,0,0,0-.044.082.3.3,0,0,0-.019.1,2.282,2.282,0,0,0,.228.61,5.635,5.635,0,0,0,.471.743,8.171,8.171,0,0,0,.9,1.011,8.494,8.494,0,0,0,1.017.909,5.962,5.962,0,0,0,.744.477,2.011,2.011,0,0,0,.457.184l.159.032a.332.332,0,0,0,.083-.019.219.219,0,0,0,.083-.045l.724-.737a.779.779,0,0,1,.534-.2.66.66,0,0,1,.343.077h.013l2.453,1.449A.64.64,0,0,1,18,15.47Z">
</path>
</symbol>
<symbol id="icon-blog" viewBox="0 0 24 24">
<title>blog</title>
<path
d="M12,0A12,12,0,1,0,24,12,12,12,0,0,0,12,0ZM9.083,17H7V14.917l6.146-6.146,2.083,2.083Zm7.76-7.76-1.016,1.016L13.745,8.172,14.76,7.156a0.566,0.566,0,0,1,.781,0l1.3,1.3A0.566,0.566,0,0,1,16.844,9.24Z" />
</symbol>
<symbol id="icon-search" viewBox="0 0 24 24">
<title>search</title>
<path
d="M17.611,15.843a9.859,9.859,0,1,0-1.769,1.769l6.379,6.379,1.769-1.769ZM9.836,17.17A7.334,7.334,0,1,1,17.17,9.836,7.342,7.342,0,0,1,9.836,17.17Z" />
</symbol>
<symbol id="icon-brokercheck" viewBox="0 0 100 100">
<title>brokercheck</title>
<path
d="M67.057,60.029a2.968,2.968,0,0,0-4.2-.119,19.351,19.351,0,1,1,.8-27.341A2.968,2.968,0,1,0,67.976,28.5a25.288,25.288,0,1,0-1.038,35.728A2.968,2.968,0,0,0,67.057,60.029Z" />
<path
d="M47.714,32.506a0.654,0.654,0,0,0-.49-1.185,14.61,14.61,0,0,0-9.183,23.649,0.611,0.611,0,0,0,1.084-.506C37.286,46.088,39.185,37.392,47.714,32.506Z" />
<path
d="M63.814,69.544a0.906,0.906,0,0,0-1.222-.374l-3.7,1.965a0.9,0.9,0,1,0,.848,1.6l3.7-1.965A0.906,0.906,0,0,0,63.814,69.544Z" />
<path
d="M70.211,80.4l-3.455-6.5a3.1,3.1,0,1,0-5.47,2.909l3.455,6.5A3.1,3.1,0,0,0,70.211,80.4Zm-1.012,1.8a0.948,0.948,0,0,1-1.278-.391l-1.21-2.276a0.945,0.945,0,1,1,1.669-.887l1.21,2.276A0.948,0.948,0,0,1,69.2,82.209Z" />
</symbol>
<symbol id="icon-brokercheck-color" viewBox="0 0 100 100">
<title>brokercheck</title>
<path
d="M67.057,60.029a2.968,2.968,0,0,0-4.2-.119,19.351,19.351,0,1,1,.8-27.341A2.968,2.968,0,1,0,67.976,28.5a25.288,25.288,0,1,0-1.038,35.728A2.968,2.968,0,0,0,67.057,60.029Z"
fill="#1965A2" />
<path
d="M47.714,32.506a0.654,0.654,0,0,0-.49-1.185,14.61,14.61,0,0,0-9.183,23.649,0.611,0.611,0,0,0,1.084-.506C37.286,46.088,39.185,37.392,47.714,32.506Z"
fill="#4DA3DB" />
<path
d="M63.814,69.544a0.906,0.906,0,0,0-1.222-.374l-3.7,1.965a0.9,0.9,0,1,0,.848,1.6l3.7-1.965A0.906,0.906,0,0,0,63.814,69.544Z"
fill="#CF3317" />
<path
d="M70.211,80.4l-3.455-6.5a3.1,3.1,0,1,0-5.47,2.909l3.455,6.5A3.1,3.1,0,0,0,70.211,80.4Zm-1.012,1.8a0.948,0.948,0,0,1-1.278-.391l-1.21-2.276a0.945,0.945,0,1,1,1.669-.887l1.21,2.276A0.948,0.948,0,0,1,69.2,82.209Z"
fill="#CF3317" />
</symbol>
<symbol id="icon-play" viewBox="0 0 100 100">
<title>Play</title>
<polygon points="31.934 26.442 72.233 50 31.934 73.558 31.934 26.442" />
</symbol>
<symbol id="icon-pause" viewBox="0 0 100 100">
<title>Pause</title>
<polygon points="69.093 80 69.093 20 58.193 20 58.193 80 69.093 80" />
<polygon points="41.807 80 41.807 20 30.907 20 30.907 80 41.807 80" />
</symbol>

</defs>
</svg>



<div class="page-bg" style="background-image:url('https://static.twentyoverten.com/58d563ba203dcd1251c187e0/fbfUkcnE1HU/FrontPageLink1421780035416.jpg'); background-position: center center; background-repeat: no-repeat; background-attachment: fixed; background-size: cover;"></div>


<div class="page-bg-overlay"></div>


<div id="page-wrapper"
class="has-fixed-header">


<header id="header" role="banner">
<div class="header-inner">


<div id="logo">
<a href="/">

<img src="https://static.twentyoverten.com/58d563ba203dcd1251c187e0/CfcUlW8Ijer/cfalogoallwhite.gif" alt="Logo for Conceptual Financial Advisors">


</a>
</div>



<div class="menu-toggle">
<span></span>
</div>
<nav id="main-navigation">
<ul>



<li><a href="/about-our-firm">About Our Firm</a></li>



<li><a href="/services">Services</a></li>




<li>
<a href="/my-first-financial-planner">My First Financial Planner</a>
</li>




<li><a href="/on-track-team">On Track Team</a></li>



<li><a href="/forms">Forms</a></li>



<li><a href="/media">Media</a></li>



<li><a href="/contact-us">Contact Us</a></li>



</ul>
</nav>

</div>
</header>

<div class="content-wrapper">
<div class="container">


<div class="header-push"></div>



<div class="hero-content has-sub-nav" data-location="hero_content" data-id="69a9e20ad00725e83f71b642" data-type="hero">
<h1 style="text-align: left;">My First Financial Planner</h1>
</div>
































<nav id="sub-navigation">
<ul>


<li class="active"><a href="/my-first-financial-planner/why-plan">Why Plan?</a></li>



<li><a href="/my-first-financial-planner/the-process">The Process</a></li>



<li><a href="/about">About</a></li>



<li><a href="/services-and-pricing">Services &amp; Pricing</a></li>


</ul>
</nav>











































<div class="offset-wrapper has-sub-nav">

<main id="content" class="main-content" data-location="content" data-id="69a9e20ad00725e83f71b642" data-type="page" role="main">
<h2 style="text-align: left;">WHY PLAN?</h2><hr><p>If you’ve ever wondered whether you are making a good financial decision or not, that is why you should plan.</p><p>Financial planning, above all else, is about helping you make good financial decisions. This decision-making could be in determining how much to save versus spend, how to prioritize short-term and long-term needs and goals, and a variety of other questions.</p><p>At MyFirstFinancialPlanner.com™ we are skilled financial planners, but only you are the expert in you. Only you know what you hope to achieve and what is important to you. Our service is designed to provide you the tools to make good financial decisions for you.</p><p>Through our service we will provide recommendations and guidance. And we will answer your financial questions. But we also hope to empower you to make the final determination on what is best for you and use our expertise only as a guide. At MyFirstFinancialPlanner.com™, we believe that our educational system has largely failed to deliver meaningful financial education leaving many individuals lacking basic personal finance knowledge. We aim to change that by helping you get a grip on your financial picture and learn how to pull it all together by developing a plan that assists in the short, mid and long term financial goals.</p><p>With our staff of financial professionals, including some that are CERTIFIED FINANCIAL PLANNER™ professionals, backed with superior technology you’ll get a true analysis of your financial picture unclouded by commissions or product sales. We are fiduciaries and thus duty bound to put our clients interests first, always.</p><p>Get on track! Learn about how <a href="the-process">OUR PROCESS</a> can bring your financial picture into focus.</p><p>To get on track and start your plan now, click here and complete the short form.</p><p style="text-align: center;"><a class="social-link fr-deletable" href="https://twitter.com/MFFPGetonTrack" rel="noopener noreferrer" target="_blank">&nbsp;<svg class="icon"><use xlink:href="#icon-twitter"></use></svg></a>&nbsp; &nbsp; &nbsp;&nbsp;&nbsp;<a class="social-link fr-deletable" href="https://www.linkedin.com/company/myfirstfinancialplanner-com?trk=tabs_biz_home" rel="noopener noreferrer" target="_blank">&nbsp;<svg class="icon"><use xlink:href="#icon-linkedin"></use></svg></a>&nbsp;</p>
</main>

</div>
</div>
</div>
<footer class="footer" role="contentinfo">
<div class="footer-wrapper">
<div class="container">
<div class="footer-content" data-location="footer" data-id="69a9e20ad00725e83f71b642" data-type="footer">
<p class="disclaimer">Advisory Services offered through <a data-saferedirecturl="https://www.google.com/url?hl=en&q=http://www.conceptualadvisors.com/&source=gmail&ust=1472170133730000&usg=AFQjCNGqyQI2OhP0RkHaGl62LxOiiONiQw" href="http://www.conceptualadvisors.com/" target="_blank">Conceptual Financial Advisors, LLC</a><span>&nbsp;, an SEC Registered Investment Advisor. &nbsp; Chad Nehring is also a Registered Representative of and offers securities through Fortune Financial Services, Inc. &nbsp;Member <a href="http://www.finra.org/" target="_blank">FINRA</a>/<a href="http://www.sipc.org/" target="_blank">SIPC</a>. Conceptual Financial Advisors, LLC/Conceptual Financial Planning, Inc. and Fortune Financial Services, Inc. are separate entities.</span></p><p class="disclaimer">Please review Conceptual Financial Advisors, LLC's <a class="fr-file" href="https://static.twentyoverten.com/58d563ba203dcd1251c187e0/tk4oOPYrsSq/CFA-Form-CRS-4152024.pdf" rel="noopener noreferrer" target="_blank">Client Relationship Summary</a>.</p><p class="disclaimer">as well as reviewing Fortune Financial Services, Inc's <a class="fr-file" href="https://static.twentyoverten.com/58d563ba203dcd1251c187e0/F5IJqonCOsP/crs_form_8-2023.pdf" rel="noopener noreferrer" target="_blank">Client Relationship Summary</a>&nbsp;<span></span></p><p class="disclaimer">We are based in Appleton, WI and typically work with families and businesses in a radius that encompasses the Fox River Valley including Appleton, Green Bay, Oshkosh, Neenah, Menasha, Greenville, Hortonville, Kaukauna, Kimberly, Little Chute, Combined Locks, Harrison, Sherwood, Freedom, Wrightstown and DePere. Nothing in the content of this website should be construed to represent specific investment or financial planning advice, nor should it be construed as forming a client/planner relationship.</p>
</div>
<div id="tot_badge">
<p>
<a href="https://twentyoverten.com" target="_blank">
<img src="data:image/svg+xml;charset=utf8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3E%3Cpath d='M15,1.75A13.25,13.25,0,1,1,1.75,15,13.27,13.27,0,0,1,15,1.75M15,0A15,15,0,1,0,30,15,15,15,0,0,0,15,0h0Z' fill='%23ffffff'/%3E%3Cpath d='M13.13,6.39a0.6,0.6,0,0,1,.57-0.63h0.72a0.6,0.6,0,0,1,.64.63V9h1a0.6,0.6,0,0,1,.64.63V10a0.61,0.61,0,0,1-.56.65H15.06v6.73c0,0.82.21,1.06,0.93,1.06h0.47a0.6,0.6,0,0,1,.64.63v0.4a0.61,0.61,0,0,1-.57.64h-0.6c-2,0-2.85-.82-2.85-2.73v-11h0Z' fill='%23ffffff'/%3E%3Cpath d='M17.38,23.6a0.64,0.64,0,0,1-.64.63H13.28a0.64,0.64,0,0,1-.64-0.63V23.05a0.64,0.64,0,0,1,.64-0.59h3.44a0.64,0.64,0,0,1,.64.63V23.6Z' fill='%23ffffff'/%3E%3C/svg%3E" alt="Financial Advisor Websites by Twenty Over Ten">
<span>Powered by Twenty Over Ten</span>
</a>
</p>
</div>
</div>
</div>

</footer>
</div>


<script>
window.appUrl = 'https://app.twentyoverten.com';
window.siteUrl = 'https://ontrackadvisor.com';
window.suppress = false;
window.calendlyActive = false;
</script>
<script src="https://ajax.googleapis.com/ajax/libs/jquery/2.2.4/jquery.min.js"></script>
<script>
$('.g-recaptcha').html('');
</script>


<script src="/assets/frameworks/assets/dist/js/global-2.0.2.js"></script>
<script src="/assets/frameworks/themes/rod-cone/3.0.0/assets/dist/js/main-3.0.0.js"></script>



<script>
  function headerScroll() {
    var distanceY = window.pageYOffset || document.documentElement.scrollTop,
        changeOn = 0,
        header = document.getElementById('header');

    if (distanceY > changeOn) {
      header.classList.add('nav-scroll');
    } else {
      if (header.classList.contains('nav-scroll')) {
        header.classList.remove('nav-scroll');
      }
    }
  }

  window.addEventListener('scroll', headerScroll);
  window.addEventListener('DOMContentLoaded', headerScroll, false);
</script>

<script async src="https://www.googletagmanager.com/gtag/js?id=UA-60124245-1"></script>
<script>
window.dataLayer = window.dataLayer || [];
function gtag(){dataLayer.push(arguments);}
gtag('js', new Date());
gtag('config', 'UA-60124245-1');
</script>

<!-- tot - Global site tag (gtag.js) - Google Analytics -->
<script async src="https://www.googletagmanager.com/gtag/js?id=UA-46480539-15"></script>
<script>
window.dataLayer = window.dataLayer || [];
function gtag(){dataLayer.push(arguments);}
gtag('js', new Date());
gtag('config', 'UA-46480539-15');
</script>
</body>
</html>