Basically, financial planning is the balancing of financial market risk with a clients goals and doing so in a responsible and accountable manner.  Over the last thirty years, investing and saving has become more complex and time consuming with new markets for investing, currency revaluations, more mutual funds and new financial instruments.  While some can still manage their money for the future, over the years more people have come to professional financial planners like Denise Windham, President, Core Capital Financial Services, Inc.