Going Beyond Dollars and Cents
with Holistic Planning

Not all plans are designed the same. If you had the choice between the two, what plan would you choose?


Defining Holistic Planning


/hōˈlistik/ - adjective

characterized by comprehension of the parts of something as intimately interconnected and explicable only by reference to the whole.

fi·nan·cial plan·ning

/fəˈnan(t)shəl ˈplaning/ - adjective

the process of making plans for something related to finance.

Holistic Wealth. Holistic Medicine. Holistic Education. Holistic Wellness. A  holistic approach  means thinking about the big picture. Each change you make to one part affects the whole.

Holistic Planning is addressing your client’s whole life. Not just their financial life.

It’s demonstrating an understanding of a client’s finances, desired goals and aspirations, and assumptions to ultimately convey an analysis of future outcomes on one or more financial topics and may include recommendations.


Let’s Start with the Fundamentals

Understanding your clients can put them on the right path to achieving the goals they have set out to accomplish. And the map to guide them on that path is a financial plan.

The 7 steps of Financial Planning outlined by the CFP board are the guiding principles and are rooted in Holistic Planning’s focus on looking at a client’s complete financial picture.

This seven-step model represents a complete workflow that establishes productive, long-term relationships. When faithfully executed, clients will view financial planning as a collaborative process that’s intrinsic to achieving their life goals.

Bill Simonet, CFP® and principal advisor of Simonet Financial Group

"I think planning provides a much bigger overall return [for clients]."

Bill Simonet, CFP® and principal advisor of Simonet Financial Group


of advisors expect to expand comprehensive financial planning services to more than half of their clients through 2020, increasing from only one-third of their client base in 20131.

More than85%

of advisors believe the importance of financial planning has and will continue to increase over time2.


of surveyed advisors stated that there will be an increased focus on holistic financial planning within their practices moving forward3.

With Holistic Planning You Can Have

Deeper Connections to Clients

By taking a top-down approach, focusing on a client’s goals, advisors can strengthen their relationships and create value among existing and prospective clients.

Engagement with the Next Generation

When asked to name top priorities for choosing to work with an advisor, Gen X investors stated that years of experience (43%), and personalized advice for a holistic financial picture (37%) were leading reasons.4

A Path to Work in your Client's Best Interest

The CFP Board emphasizes a holistic approach based on their objective to make certain advisors get a full view of the client’s goals so that clients aren’t receiving advice that isn’t in their best interest.

Fulfillment in your Profession

Some advisors may find operating in holistic planning is more professionally fulfilling as they become a trusted partner in helping clients achieve their life goals. They can provide meaningful advice across various life moments and opportunities.

Increased Productivity

According to a recent Fidelity study, over the last year, when compared to other advisors, advisors practicing Holistic Wealth Planning reported 47% higher growth in AUM and 67% higher growth in number of clients.2

More Opportunities

According to a recent Fidelity study, advisors who practice Holistic Wealth Planning grew their clients/HHs by 13% on average, compared to 8% among others, in the past year.2

Creating a Truly Exceptional Client Experience

The importance of leading with planning and delivering an experience clients expect from their advisor has taken a new direction with today’s changing environment. By anticipating client needs and preemptively exceeding them, you can deliver value in new ways—pushing boundaries and rethinking possibilities.

The creation of a holistic financial plan and providing the confidence and control for clients to achieve their financial goals and milestones is the experience that will help clients live the life they want.

Let Your Peers Guide You Through
Holistic Planning

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"I think the more deeply you know and understand your client, their vision, and their values, the more you can actually tailor their financial plan."

Abbey Henderson mini headshot

Abbey Henderson
CEO of Abaris Financial Group

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"As financial planners, your focus is not just on their wealth, it’s on their future wellbeing. Focusing on that really changes your perspective. It makes your clients happier. It makes your life more full."

Bill Simonet, CFP®  mini headshot

Bill Simonet, CFP®
Principal Advisor of Simonet Financial Group

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"I’m always looking for the greater purpose in a client relationship. It goes beyond money—I have a responsibility to protect families and help them achieve their goals."

Kyle Brownlee mini headshot

Kyle Brownlee
CEO and Senior Wealth Advisor
Wymer Brownlee Wealth Strategies

> 50%

of investors say that by 2022 an advisor’s ability to provide holistic goal planning will be most important when they’re selecting a financial advisor5.

2 of 3

investors say an advisor can build trust with them by “customizing their approach to my needs.”6


of investors would be willing to pay more for an advisor who provides a clearly defined roadmap of how they can financially achieve all of their lifetime goals.7

What do your clients have to say?

The holistic planner is adept in the conversation around both the financial and emotional well-being of their clients. They are more comfortable discussing life events with their clients2. These areas can build trust, create value, earn loyalty, and open up opportunities you may not have discovered through traditional financial planning.

What clients say

Free 5-Day Email Course

You’re on the right track to offering holistic, comprehensive financial planning! If you made it this far and still having doubts, check out this 5-day email course developed by CFP® professionals on how to tackle the most common hurdles to offering holistic planning.

Technology Enables Comprehensive Conversations with Clients

Being ingrained in all areas of a client’s complete financial life and having the right conversations can move them toward achieving their personal and professional goals. A well-integrated technology platform can position you to deliver financial advice and provide a truly holistic service across your client’s entire life.

When advisors possess the right tool for every situation, financial planning can more easily take its rightful place at the center of the advisor-client relationship.

Here’s where your clients are starting to build assets, creating a foundation for a strong financial future. Some financial and life events may include paying off debt, early investing, getting married, saving for travel, and starting a retirement account or an emergency fund.

Goals-based Planning

eMoney’s modular, goals-based planning solution, Foundational Planning, provides a highly engaging experience that encourages collaboration between advisors and clients and expands advisors’ reach across a wider breadth of clients.

As financial wealth begins to steadily grow, financial demands come into play for your clients. Some financial and life events include getting married, starting a family, getting a promotion at work, building an investment portfolio, protecting your family through life insurance, and saving for children’s education.

Client Portal

Client Experience

eMoney’s client portal and account aggregation bring your client conversations to life with interactive and collaborative experiences that promote engagement and identify opportunities.

The finish line is in sight and the focus shifts on maximizing income, distribution of income to fund goals that were set, and making sure your clients feel comfortable about where they stand. Some financial and life events include children becoming independent and moving out, realizing tax consequences of investments, paying off a mortgage, and enjoying retirement!

Decision Center

Cash Flow Planning

Provide clients with an in-depth and personalized look at their financial picture with custom financial blueprints, created using dozens of advanced-planning techniques and what-if scenarios through eMoney’s cash flow planning solution.

The previous three stages focused on wealth accumulation. Now that your clients are retired, it’s all about wealth preservation. Some financial and life events include legacy considerations, managing medical costs, volunteering, philanthropic ventures, and hanging out with grandchildren.

Estate Planning

Show clients the risks, vulnerabilities, and benefits of various estate-planning scenarios, and work together to create strategies to better protect their legacy.