A budget planner is a tool, such as a worksheet or template ... you’ll need some key financial information, including: Your take-home pay, or your monthly income after taxes.

So how do financial advisors extract their clients ... and focus their goals. How to set goals with an included worksheet.

In the realm of financial planning, clients often grapple with forming tangible, specific goals. They may fall back on heard phrases like "saving for retirement" or "buying a house", or respond ...