How To Use Financial Planning By  Vincent Camarda


I’m a big believer in financial planning for the long term, but as an investment advisor, I know how easy it is to get caught up in short-term goals, especially if you’re worried about money.

Here are some ways that you can use financial planning to achieve your long-term goals and make sure that your money is working hard for you

Start With A Financial Plan For The Short Term

  • A list of all your assets and liabilities, including savings and investments, home equity and other real estate holdings, retirement accounts such as pensions, vehicles and other possessions. You also want to include any outstanding debts such as student loans or credit card balances.
  • An estimate of your monthly expenses including housing costs; food; entertainment; transportation; healthcare insurance premiums if you have them; utilities like electricity or heating bills; internet service; cell phone bills; child care expenses if applicable and so on.

Consider Retirement Planning And Estate Planning

Retirement planning and estate planning are two important areas to consider per se by Vincent Camarda, as they can greatly affect your long-term financial success.

Considerations for retirement:

  • Will you have enough money to last through your retirement? How much do you need in order to live comfortably during this time period?
  • Do you want to continue working part-time or full-time after retirement age or maybe even start a business! If so, how much income will this require from investments and other sources of revenue.

Plan For Continued Education

Continued education is a great way to keep your skills current and your career moving forward. It’s also an important part of keeping up with changes in technology, which can open up new opportunities for you as well as help protect against obsolescence.

Financial planning like Vincent Camarda can help with long-term financial goals like getting an advanced degree or pursuing certification courses that will make it easier for you to find work in your field of choice.

Make Investments That Align With The Following

  • Investing should be in line with your values
  • Investing should be in line with your goals
  • Investing should be in line with your risk tolerance
  • Investing should be in line with your time horizon, which is the amount of time before you need to start withdrawing from the account and spending it
  • You should also consider how much income needs to come out of this account each year.


The takeaway of this article is to take action and you should be able to summarize the article in a few sentences, with a clear call to action. If you can’t do that, then you might want to re-think your approach and focus on what matters most: helping people make changes in their lives that matter most.


The key to long-term financial success is planning ahead and that doesn’t mean you have to be an expert or know everything about investing; it just means that you need to know how much money you’re making, where it’s going and how much risk there is involved with each investment so that you can make smart decisions.