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	Subscribe to CFP Board's monthly "Let's Make a Plan" eNewsletter and CFP Board will e-mail you information about financial planning, consumer alerts, financial planning tools and resources and much more. All it takes to subscribe today is a valid e-mail address! Read the latest "Let's Make A Plan" eNewsletter or scan the contents of past editions from the lists below.

	January 2012 Message from CFP Board From the State of the Union to the State of You Message from CFP Board Ambassador Ross Levin, CFP^® Settle Down, Settle In and Settle Up Financial Planning for Women CERTIFIED FINANCIAL PLANNER™ Professionals Offer Investment Support to Women A CERTIFIED FINANCIAL PLANNER™ Professional Can Help Women Maximize Their Spending Power After a Divorce Financial Planning for Your Children To Avoid Hurt Feelings, Communicate With Your Children About the Division of Your Estate Financial Planning for Your Life Now Pay Down Your Credit Cards and Save Money for a Rainy Day Resolve to Reduce Your Debt and Save in 2012 The CFP Board's Web Site Is a Valuable Resource to Use to Help You Save Financial Planning for Your Retirement The Financial Reality Has Changed, So You'll Need to Plan for Your Retirement Accordingly Chances Are, You'll Need More Money in Retirement Than You May Thinks If You Want to Retire This Year, Make a Financial 'To Do' List Protect Your Retirement Assets by Purchasing at Least Some Long-Term-Care Insurance Hiring a CERTIFIED FINANCIAL PLANNER™ Professional Build Your Financial Dream Team With the Help of a CERTIFIED FINANCIAL PLANNER™ Professional Your CERTIFIED FINANCIAL PLANNER™ Professional Is Highly Trained and Adheres to the CFP Board's Ethics Code December 2011 Message from CFP Board The More Things Change, the More They Should Stay the Same Financial Planning for Your Life Now Take Advantage of These Year-End Tax Tips to Reduce Your Tax Bill The Holiday Table Is a Good Place to Discuss Financial Matters With Your Family You Need to Weigh Several Factors Before Investing in Alternative Funds Tips to Help You Deal With Challenging Times Prepare Now for the Possibility Your Paycheck May Shrink in 2012 Meet With Your Spouse Monthly to Discuss Financial Matters, and Other Ways to Include Your Spouse in Financial Planning Hiring a CERTIFIED FINANCIAL PLANNER™ Professional You Should Meet With at Least Three Advisers Before Selecting One The CFP Board's Web Site Is a Useful Tool to Use When Selecting Your CERTIFIED FINANCIAL PLANNER™ Professional Financial Planning for Your Retirement Robust Savings and a Stable Life Are the Best Recipe for Your Secure Retirement Make Sure You Don't Fall for Early Retirement Seminar Retirement Scams Financial Planning for Women Women Learn to Trust With the Help of a CERTIFIED FINANCIAL PLANNER™ Professional Financial Planning for Your Children Tap Into Your Child's Excitement to Make Investing More Appealing to Them November 2011 Message from CFP Board The Course to Financial Success: A Marathon, Not a Sprint Sign Up to Volunteer CFP Board Seeks Public Representatives to Participate in Disciplinary Hearings Financial Planning for Your Life Now Tuning Out Negative Economic News Can Help You Boost Your Financial Confidence Expert Advice to Help You Decide How to Buy Stocks With Your Spouse Change Your Thinking to Adapt to the Economy's 'New Normal' Use Asset Losses to Offset Your Taxes Owed Opting Out of Your 401(k) May Make Sense if Certain Conditions Are Met Financial Planning for Your Retirement Shore up Your Retirement Nest Egg by Working Longer, Delaying Social Security Take Control of Your Retirement Savings Vehicles In 2012, the Government Will Let You Increase Certain Retirement Plan Contributions Hiring a CERTIFIED FINANCIAL PLANNER™ Professional Hiring a CERTIFIED FINANCIAL PLANNER™ Professional Can Help You Get Your Financial House in Order Financial Planning for Women Women: There Are Steps You Can Take Right Now to Build a Secure Retirement Financial Planning for Your Children Don't Let Life Get in the Way of Saving for Your Children's Education Educate Yourself About Your Child's 529 College Savings Plan

	October 2011 Message from CFP Board Eight Great Ways to Build Confidence Sign Up to Volunteer CFP Board Seeks Public Representatives to Participate in Disciplinary Hearings Financial Planning for Your Life Now Reducing Your Credit Card Debt Is Critical for Your Financial Well-being Come Prepared and Get Free Financial Advice From a CERTIFIED FINANCIAL PLANNER™ Professional Can You Afford a Daily Latte? Rethinking Luxuries in the Current Economic Climate A Balanced, Diversified Portfolio Can Help You Weather the Ups and Downs of the Market The Certified Financial Planner Board of Standards' 'Consumer Guide to Financial Self-Defense' Can Help You Avoid Investment Scams Have You Saved Enough Money to Make Your House Payment if You Lose Your Job? Hiring a CERTIFIED FINANCIAL PLANNER™ Professional Ask These Questions When You Hire Your CERTIFIED FINANCIAL PLANNER™ Professional Financial Planning for Your Retirement Fund Your Retirement Before You Pay for Your Child's Education Should You Pay Off Your Mortgage as You Enter Retirement? Financial Planning for Women A CERTIFIED FINANCIAL PLANNER™ Professional Offers a Divorced Mom Some Advice About Getting Out of Debt You're Capable of Planning More Aggressively for Retirement, Although Many Women Don't Financial Planning for Your Children Little-Known Things to Keep In Mind When You Apply for a College Loan

	September 2011 Message from CFP Board Getting Americans Back to Work: Whose Job is It? Financial Planning Days Financial Planning Days Coming to Your Area Financial Planning for Your Life Now Don't Make These Mistakes! Stick With Your 401(k), Even in a Volatile Market Take Control of Your Career in an Unpredictable Job Market Don't Get Scammed--Make Commensense Purchases of Gold If You Should Lose Your Job, Be Sure to Take Care of Your Financial Well-being With the Help of a CERTFIED FINANCIAL PLANNER™ Professional Financial Planning for Your Retirement 'Will I Have Enough Money to Live Comfortably in Retirement?' and Other Questions to Ask Yourself If You're Single, You'll Need to Save More Aggressively for Retirement Take Charge of Your Retirement Now Financial Planning for Your Children Your Child's 529 College Account Can No Longer Be Used to Pay for as Many Items Fixed-rate Student Loans Make It Easier to Budget, But the Interest Rate May Be Higher Helping Your Child Navigate Their College Loan Payments Financial Planning for Women Women Make Sound Investment Decisions, But They Need to Be More Aggressive Hiring a CERTIFIED FINANCIAL PLANNER™ Professional Do Some Homework Before Hiring Your CERTIFIED FINANCIAL PLANNER™ Professional Your Friends and Relatives Can Provide Referrals to a CERTIFIED FINANCIAL PLANNER™ Professional
	August 2011 Message from CFP Board Back to School Guest Contributor Connie Stone, CFP^® Sometimes the Best Gifts Aren't Money or Things Financial Planning for Your Life Now Market Volatility Is the New Reality, So Make a Plan Conquer Your Debt, Improve Your Financial Life Simple Steps to Make Your Financial Comeback Plan Now; Avoid Running Out of Money Later Financial Planning for Your Retirement Postpone Taking Your Social Security Benefits and Other Tips for People Nearing Retirement Use an Online Calculator to Help Determine When You Should Take Your Social Security Benefits How to Draw Down Your Retirement Portfolio the Smart Way Financial Planning for Your Children Start Your Financial Life Out Right 529 Accounts Can Help You Save for Your Child's Education Hiring a CERTIFIED FINANCIAL PLANNER™ Professional A CERTIFIED FINANCIAL PLANNER™ Professional Can Help You Deal With Unexpected Risks Your Friends and Relatives Can Provide Referrals to a CERTIFIED FINANCIAL PLANNER™ Professional Your Financial Adviser's CERTIFIED FINANCIAL PLANNER™ Professional Credentials Are a Good Way to Evaluate Their Competence Financial Planning for Women Women Fall Short When It Comes to Financial Planning July 2011 Message from CFP Board E Pluri-bust Unum Financial Planning for Your Life Now Take These Steps to Boost Your Credit Profile Build Your Emergency Fund, So You'll Be Prepared to Handle Unexpected Expenses Take Steps Now To Survive a Potential Double-Dip Recession Prep Now for Tax Season, Avoid Problems Later Put Your Financial Plan in Writing Financial Planning for Your Children Work With Your CERTIFIED FINANCIAL PLANNER™ Professional to Prepare Your Child's College Budget Financial Planning for Your Retirement Fees Can Negatively Impact Your Retirement Savings Beware: Target-Date Funds Have Their Flaws When Should I Begin Drawing Social Security? Take Your Minimum IRA Withdrawals or Face a Steep IRS Penalty Hiring a CERTIFIED FINANCIAL PLANNER™ Professional When Hiring a CERTIFIED FINANCIAL PLANNER™ Professional, Get Their Compensation in Writing Financial Planning for Women Women: Don't Give Up! You CAN Build a Secure Financial Future June 2011 Message from CFP Board Recession Redux: Another Opportunity To Get It Right Financial Planning for Your Life Now Despite Wall Street's Shenanigans, Small Investors Need to Stay in the Game You Can Afford to Travel This Summer, Despite High Fuel Costs College Grads: Budget, Save, and Take Action to Create a Sound Financial Future Two CERTIFIED FINANCIAL PLANNER™ Professionals Suggest Things to Do to Prepare Financially for Natural Disasters Keep Your Financial Cool in the Midst of Crisis and Reap the Rewards Financial Planning for Your Children Consider Giving Your New College Grad a Mutual Fund Gift To Protect Your Special-Needs Child, Plan for Their Future Now Financial Planning for Your Retirement How to Cope When Your Retirement Is Not a Choice: A CERTIFIED FINANCIAL PLANNER™ Professional Offers Some Advice Heed the Flaw That Can Distort Your Retirement Calculations Do You Need a Mid-Retirement Financial Checkup? Hiring a CERTIFIED FINANCIAL PLANNER™ Professional If You Meet This Profile, It's Time to Hire a CERTIFIED FINANCIAL PLANNER™ Professional Financial Planning for Women Don't Outlive Your Savings. Take Steps Now to Secure Your Financial Future May 2011 Message from CFP Board Don't Let Rising Prices Wreck Your Vacation Plans Financial Planning for Women Twenty-Two Percent of Women Now Out-earn Their Husbands Financial Planning for Your Life Now CFP Board's Consumer Advocate, Eleanor Blayney, CFP^®, Recommends Budgeting Your Taxes as Closely as You Can to the Amount You'll Owe Don't Spend Your Tax Refund on 'Things That May Be Out of the Norm', Says CFP Board's Consumer Advocate, Eleanor Blayney, CFP ^® Your 'Human Capital' Makes You Richer Than You May Know Making a Decision to Be Transparent About Your Finances Can Help You Weather Your Divorce Financial Planning for Your Retirement In Retirement, You Will Be Responsible for Covering Some of Your Prescription Drug Costs Take Action Now to Prepare for Your Retirement Health Care Costs Later Hiring a CERTIFIED FINANCIAL PLANNER™ Professional Consult the CFP Board's Online Brochure Before Meeting With Your CERTIFIED FINANCIAL PLANNER™ Professional for the First Time Your CERTIFIED FINANCIAL PLANNER™ Professional Has Taken Extensive Exams and Receives Ongoing Education Look for the CERTIFIED FINANCIAL PLANNER™ Professional Designation When Selecting Your Financial Planner Craft Your Retirement Plan – Then Get a Second Opinion Financial Planning for Your Children Five Things to Look for in Your Child's Financial Aid Award Letter April 2011 Message from CFP Board The IRS Shouldn't Owe You Money Financial Planning for Your Life Now CFP Board's Consumer Advocate, Eleanor Blayney, CFP^®, Offers Several Tips for Spring Financial Cleaning Last Year's Tax Return Can Help Guide This Year's Investments, Says CFP Board's Consumer Advocate, Eleanor Blayney, CFP^® Financial Planning for Your Retirement Children Are 'Good Motivators' of Sound Financial Habits, Says CFP Board's Consumer Advocate, Eleanor Blayney, CFP^® CFP Board's Consumer Advocate, Eleanor Blayney, CFP^®, Suggests 'Thinking Outside of Your Box' Busting the Biggest Retirement Myths Hiring a CERTIFIED FINANCIAL PLANNER™ Professional The CFP Board Web Site Is a Helpful Tool to Use for Evaluating CERTIFIED FINANCIAL PLANNER™ Professionals Consider Choosing a Financial Adviser With a CERTIFIED FINANCIAL PLANNER™ Professional Designation From the CFP Board CFP Board's CERTIFIED FINANCIAL PLANNER™ Professional Designation Denotes Highest Ethical Standards Financial Professionals Should Put Their Clients' Best Interests Ahead of Their Own, Says the CFP Board Financial Planning for Your Children Helping Your Kids Develop Good Financial Habits Now Will Pay Off Later Financial Planning for Women Women CAN Change Their Financial Future Take Steps to Ensure Your Financial Future March 2011 Message from CFP Board Spring Cleaning Financial Planning for Your Life Now Be Careful When Buying Risky Stocks, Cautions CFP Board's Consumer Advocate, Eleanor Blayney, CFP^® ful When Buying Risky Stocks, Cautions CFP Board's Consumer Advocate, Eleanor Blayney, CFP^® CFP Board's Consumer Advocate, Eleanor Blayney, CFP^®, Recommends Using a Budget to Help Create Wealth Make Spending More Difficult Recommends CFP Board's Consumer Advocate, Eleanor Blayney, CFP^® Should You Pay Off Your Mortgage? Financial Planning for Women CFP Board's Consumer Advocate, Eleanor Blayney, CFP^®, Says Women Need Advisers, Annuities for Retirement Hiring a CERTIFIED FINANCIAL PLANNER™ Professional Your Adviser Should Have a Holistic Picture of Your Finances, Suggests CFP Board's Consumer Advocate, Eleanor Blayney, CFP^® Windfall: Consult the CFP Board Web Site to Find a CERTIFIED FINANCIAL PLANNER™ Professional Check Your CERTIFIED FINANCIAL PLANNER™ Professional's Credentials With the Certified Financial Planner Board of Standards Select a CERTIFIED FINANCIAL PLANNER™ Professional With the Help of the Certified Financial Planner Board of Standards Web Site Financial Planning for Your Retirement Baby Boomers' 401(k) Nest Eggs Insufficient for Retirement Set Achievable Benchmarks to Reach Your Retirement Goals Financial Planning for Your Children Are You Taking a Risk Investing in a Prepaid Tuition Plan? February 2011 Message from CFP Board My Money Valentine: Romantic Bliss Requires Full Financial Disclosure Financial Planning for Your Life Now CFP Board's Consumer Advocate, Eleanor Blayney, CFP^®, Says Owning a Home Comes With Risk CFP Board's Consumer Advocate, Eleanor Blayney, CFP^®, Suggests Saving This Year's Tax Cut Plan for Your Life Now Things to Keep in Mind When Creating Your Budget Hiring a CERTIFIED FINANCIAL PLANNER™ Professional CFP Board's Consumer Advocate, Eleanor Blayney, CFP^®, Says Your Advisor Should Provide Services With the Duty of Care of a Fiduciary CERTIFIED FINANCIAL PLANNER™ Professionals Can Help You Succeed CFP Board Calls for Enforcement of Fiduciary Duty Make Sure Your Financial Adviser Has Your Best Interests at Heart Financial Planning for Your Retirement Steps Baby Boomers Can Take if You Are Unprepared for Retirement Financial Planning for Your Children 529 College Savings Plans Are Not the Only Option You May Want to Consider Selecting a More Conservative College Savings Account Financial Planning for Women Money Advice for Women and Their Families
	January 2011 Message from CFP Board Time for Your New Year Re-Solutions Financial Planning for Your Retirement CFP Board's Consumer Advocate, Eleanor Blayney, CFP^®, Warns You'll Be Getting Less Social Security From the Government CFP Board's Consumer Advocate, Eleanor Blayney, CFP^®, Recommends Putting This Year's Social Security Tax Cut Toward Retirement 5 Ways Boomers Can Reduce Retirement Shortfall Financial Planning for Your Children Protect Your Children's Financial Future by Protecting Your Own Financial Planning for Your Life Now CFP Board's Consumer Advocate, Eleanor Blayney, CFP^®, Suggests Some Financial Strategies for 2011 Make a Decision: I Will Not 'Spend One Dime' Unless It Furthers My Financial Goals Being a Smart Saver in Your 20s, 30s, 40s, and 50s Talk (and Listen) to Your Spouse to Understand Their Definition of Financial Security You May Need to Pay Federal Taxes on Your Roth IRA Withdrawals Help Protect Your Mom and Dad: Seniors Are Being Scammed by Other Seniors Financial Planning for Women Is My Elderly Mother's Fee-based Investment Account a Good Idea? Hiring a CERTIFIED FINANCIAL PLANNER™ Professional Be Smart: Question Your CERTIFIED FINANCIAL PLANNER™ Professional Protecting Yourself From the Next Bernie Madoff Financial New Year's Resolutions Should Include Hiring a CERTIFIED FINANCIAL PLANNER™ Professional Certified by the CFP Board
	December 2010 Message from CFP Board The Gift of Knowing Lifelong Financial Strategies: 25 Tips for 25 Weeks Personal Finance News 'Women Have a Pervasive Anxiety About Money' Says CFP Board's Consumer Advocate, Eleanor Blayney, CFP^® CFP Board's Consumer Advocate, Eleanor Blayney, CFP^®, Suggests Ways to Stay 'Sane and Solvent' During the Holiday Season Couple's Security in Retirement Boosted by Preparing for Healthcare Expenses Now Unmarried Couples Must Take Extra Care to Protect Their Assets Boost Your Nest Egg: 11 Retirement Resolutions for the New Year Should You Give Your Children a Down Payment? Widowhood, Greater Longevity Put Women's Retirement at Risk Good News for Retirees: Taking Advantage of a New Tax Deal Investing Your Payroll Tax Cut Windfall Is a Smart Move CFP Board CEO Comments on Investors' Target-Date Funds CFP Board Offers Advice on Financial Self-Defense Choosing a CERTIFIED FINANCIAL PLANNER™ Professional Can Help You Avoid Being 'Madoffed'
	November 2010 Message from CFP Board Talking Turkey about Estate Planning Lifelong Financial Strategies: 25 Tips for 25 Weeks Top News Stories Compulsory Cash Personal Finance News 4 Disasters You Must Prepare For Make a Plan to Get Ready for Next Financial Crisis How to Find Retirement Savings Advice You Can Trust 5 Ways a Certified Financial Planner Can Help You Reach Your Goals Should You Refinance if You're Over 50? 7 Costs to Eliminate Before You Retire Financial Alerts IRS Warns of Online Phishing Scam Avoiding Social Network Stock Scams
	October 2010 Message from CFP Board Planning for the Autumn of Our Lives Lifelong Financial Strategies: 25 Tips for 25 Weeks CFP Board Seeks Public Representatives to Participate in Disciplinary Hearings Top News Stories 'Undo' Date Nears for Roth Conversions Uncle Sam Wants You to Learn From Your Financial Mistakes Personal Finance News Thoroughly Check Out Financial Advisers Before Signing Up 10 Tips to Prepare for Your Company's Open Enrollment Period Back to Basics: Prioritize Your Savings 3 Ways to Meet the College Savings Challenge Your Money Q&A: How Do I Get Old Debts Off My Credit Report? 3 Ways to Get the Most Out of Social Security
	September 2010 Free Financial Planning Day Events Across the U.S. This October Message from CFP Board Your Worth: Beyond Financial Assets Lifelong Financial Strategies: 25 Tips for 25 Weeks Top News Stories Could Investors Fleeing Stocks Become a Lost Generation? New Credit Card Rules Can Help, But Don't Get Complacent Personal Finance News Act Your Age When It Comes to Investing When to Pay a Financial Pro Should Young People See a Financial Planner? Seven Strategies for Paying for College in Tough Times Many Financial Hurdles Remain After a Marriage Ends Your Finances: Withdrawing Retirement Funds

	August 2010 Message from CFP Board Investing in Children: Planning for College Involves Many Financial Decisions Lifelong Financial Strategies: 25 Tips for 25 Weeks Top News Stories What the New Consumer Financial Bureau Means for You Nearly Half of Those Nearing Retirement Lack Adequate Savings Personal Finance News Plan Early for Failing Financial Health Repaying Social Security Can Be a Good Deal Retirement Requires More Preparation Nowadays When to Rebalance Your 401(k) Investments What to Do With Your 401(k) When You Leave a Job Personal Finances After Unemployment

	July 2010 Message from CFP Board Declaration of Financial Independence Top News Stories A Solution to Debt, or More Trouble? Personal Finance News Midyear's the Perfect Time to Get Your Financial Ducks in a Row 6 Key Questions to Ask Before You Hire a Financial Adviser The Way You View Money Depends on Your Personality Combat High College Costs With a Savings Plan 529 Plan Strategies for Beginners Stretch Your Retirement Savings by Moving Six Estate Planning Questions for Women

	June 2010 Message from CFP Board U.S. Economy: Hot or Cold? Top News Stories Fiduciary Provision May Be Most Important Part of Financial Reform Bill Fiduciary: The F-Word a Year Later Personal Finance News Seven Big Mistakes People Make When Hiring Advisers 8 Things to Consider When Budgeting for a New Baby Updating Your Will and Estate Planning Documents How to Manage Your Death Portfolio Try to Avoid These Stupid IRA Mistakes Have a Plan for Your Financial Planner

	May 2010 Message from CFP Board Bulls Running Backwards, Bears Charging Forward? Where Will the Market Go? CFP Board and National Organizations to Host Financial Planning Days Top News Stories As Economy Heals, Many of Us Are Slipping Back Into Our Bad Habits Some Target-Date Funds Adjusting After Criticism 5 Big Financial Aid Lies Personal Finance News Educating Children in Financial Literacy Allowance Tips to Promote Financial Literacy How to Avoid Giving Uncle Sam a Free Loan 5 Tips for Cleaning Up Your Credit to Buy a Home Hip Hip Hooray! No More Estate Tax! Firing Your Financial Adviser Requires Reflection Financial Alerts Debt-Settlement Firms Misled Consumers, GAO Says

	April 2010 Message from CFP Board Your 2009 Taxes: Stressful, but Less Taxing LifeTuner Urges Young Adults: 'Don't Get Swiped' by Credit Cards Top News Stories Social Security to See Payout Exceed Pay-In This Year Check Bank Accounts Carefully as Fee Changes Begin Personal Finance News Debunking Common Tax Myths: E-Filing Won't Trigger an Audit At Tax Time, Adding Up Medical and Dental Receipts Pays Off The 15 Money Rules Kids Should Learn Skipping Life Insurance for Women Can Endanger Family Finances Saving for College Takes Some Homework

	March 2010 Message from CFP Board Balancing Act: Your Credit Score and Your Financial Health Top News Stories Easier to Read, Not Easier to Pay Consumer Groups Warn About Tax Refund Loans Personal Finance News Thrift, Spending Less Key to Helping Money Woes Unemployment Benefits, Canceled Debt Trigger Tax Bills More Small Banks Offering Student Loans Young Can Benefit From a Roth IRA Plan Your Retirement for Life's Surprises With Longevity Up, Playing It Too Safe May Set You Up for a 'Slow Financial Death' Estate Planning Isn't Just for the Wealthy Talk With Loved Ones About Estate Planning

	February 2010 Message from CFP Board Crisis Management Top News Stories Tax Refund Loan Alternatives Actuaries: Planning Tools Leave Holes Personal Finance News Ten Vital Financial Tips to Take You Through 2010 Start Thinking Now About 2010 Taxes 3 Ways Your 401k Contributions Will Profit More Than Any Other Investment Planning Your Estate Should You Tap Credit Unions for College Loans? Avoid the Pitfalls of One-Size-Fits-All Life Insurance Policy Credit Scores: Five Common Questions Answered Not All Financial Planners Made Equal: How to Choose the Right One Financial Alerts Officials Warn of Possible ID Theft in Census Count

	January 2010 Message from CFP Board The 2010 No-Rep Financial Workout Top News Stories Proposal to Spell Out Projected 401(k) Income Has Critics Fearing Riskier Investing Personal Finance News Digging Out From Under a Mountain of Debt 6 Questions to Ask About Title Insurance Getting an Early Start on Saving Makes a Huge Difference in Retirement Income Retirement Planning at Age 55+: The Landing Pattern Retirement Guide: 'Never Too Late' for a Plan; How to Pick Financial Planner Questions for a Financial Planner Tax Breaks Include the New and the Overlooked Financial Alerts ID Theft Threats to Watch in 2010 Friend Request Phishing Gaining Traction

	December 2009 Message from CFP Board Don't Just Write Your Will: Talk It! CFP^® Professionals Connect with Young Adults on AARP's LifeTuner.org Top News Stories Few Get Major Debt Relief From Settlement Firms A Free Credit Score Followed by a Monthly Bill Personal Finance News Drowning in Debt? Manage What You Owe Before You Need Saving How to Tell If You're Saving Enough Lesson for Grandma--529s Trump Savings Bonds Few Take Advantage of Chance to Adjust Their College Savings Plans Personal Finance: Keep Holiday Spending Under Control This Season Personal Finance: Don't Cut 401(k) Contributions to Get Cash How to Size Up College Health Coverage Credit Cards: Break Up, or Make Up? Finding a Financial Planner Who's Right for You

	November 2009 Message from CFP Board Understanding the New Financial Realities Paper or Plastic? Why I Prefer Money to Gift Cards Top News Stories Students Wisely Turn From Private Loans Pre-Paid College Tuition Offers Big Savings Personal Finance News Age the Wrong Gauge for Portfolio Allocations The Best Savings Account Rates: An Ongoing Quest Financial Planning: What Every Woman Should Know Making Your Money Last in Retirement Money Talks to Have Before Marriage 5 Myths About Wills, and What You Should Do There's Still Time for Auto Tax Breaks by Year-End

	October 2009 Message from CFP Board IRA Conversions: Wait for 2010 or do them now? Top News Stories Tweaks Suggested for 529 Plans New Credit Scoring Model May Boost Some Borrowers' Scores Personal Finance News Planning Goes Beyond Investing Seven Insurance Myths That Can Cost You Workers Discover 401(k) Plans Are Failing Them in Retirement Old Truths Need Not Always Apply Preparing for the Worst Why Retirement Savings Should Trump College Savings 10 Ways to Lower Your Taxes Auto Insurance: Top Things to Know 4 Low-Risk Inflation Strategies

	September 2009 Message from CFP Board Credit Card Act of 2009 Could Spell Trouble for Consumers Free Financial Planning Clinic Set for Detroit on September 19 Top News Stories Blank Credit Card Checks Can Be Risky, According to FDIC Personal Finance News When It Comes to College, Many Are Paying in Advance Premium Opportunities Teaching Teens About (Credit) History Recession Alters Financial Outlooks, Spurs New Questions The Secrets to Finding a Student Loan How to Choose a Financial Adviser As CDs Slide, Search Is On for Safe Haven Losing Fear of Budgeting Will Set You Free Take Social Security Early? Points to Consider Is Now a Good Time to Refinance?

	August 2009 Message from CFP Board Take Some Time for A Little Financial Self Care Top News Stories Planners Step Up Fiduciary-Standard Push Earlier Notice on Rate Hikes Gives Credit Card Users Options Personal Finance News Wary Investors Are Seeking Out Objective Voices Time to Stop Hiding From the Stock Market Planning Matters: Know Estate Planning Papers Do a Midyear Check: Make These 7 Resolutions for Financial Success Time to Boost Your College Savings? Personal Finance: Now's the Time to Plan Tax Savings 10 Personal Finance Basics to Consider as You Work Through the Recession Planning a Will Is Crucial, Even if You Don't Have a Lot Tips for Choosing a Financial Adviser

	July 2009 Message from CFP Board The Rules for a Successful Relationship with Your CFP® Professional CFP Board Proposes Industry Standards for Target Date Funds Top News Stories A Personal Finance Workout Elizabeth Warren on Consumer Financial Protection Personal Finance News Savings Game: Pick a Financial Planner Carefully Financial Fundamentals: New Rules About Roth IRA Contributions Do You Have Time to Get Back in the Black? What to Look for in a Long-Term Care Insurance Policy Leaving 401(k) Money With Former Employer Could Protect Savings Face the Numbers With Personal Financial 'Stress Test' Tips for the Budget-Phobic Financial Alerts Medical Problems Could Include Identity Theft Cyber Crimes Now More Sophisticated and Growing by 45 Percent Credit Protection May Not Protect

	June 2009 Message from CFP Board Self-Control is Better than Government Control Top News Stories Obama Signs Credit-Card Overhaul Legislation Into Law New Survey Shows Need for Greater Financial Literacy Personal Finance News Financial Wisdom From a New Graduate Hiring Financial Help A Report Card for Your 401(k) Plan Getting Personal: Retirees Can Reset Social Security Benefits Rebalancing Kids’ 529 Plans Requires Care How to Create a Rainy Day Fund

	May 2009 Changes Coming to "It's Your Turn" Choosing for Better, and Not for Worse Welcome to the Real World: Preparing Your First Financial Plan How to Talk with Children about Money Financial Alerts

	April 2009 Plan for Your Financial Health Survey: How Many Months Can You Last On Your Savings? Four Things to Do with Your Tax Refund CFP Board Consumer Webcasts Address Key Financial Planning Topics Want To Launch Your Own Business? Start with a Financial Plan Financial Alerts

	March 2009 Time to Spring Ahead: Jump Start Your Personal Finances with Simple Tax Planning When Bad Things Happen to Your Good Name Don't Scrimp on Your Insurance Coverage Financial Alerts

	February 2009 If You're Jobless, Remember You're Not Helpless Survey: Are You Building a Cash Reserve as a Possible Buffer in Case You Lose Your Job? What You Need to Know About Bankruptcy To Refinance or Not To Refinance? Financial Alerts

	January 2009 A "Fidu - Who?" CFP Board's fiduciary standards for CFP® Professionals go into effect Love and Money: Financial Planning Tips for Couples How America Saves Week Can Help You Save Financial Alerts

	December 2008 Put Together a Financial Game Plan for 2009 Survey: What is Your Financial Planning Priority for 2009? Why You Need a Will Financial Fitness for Forward-Looking Women Financial Alerts

	November 2008 Traditional IRAs versus Roth IRAs: Should You Switch? Finding Your Feet when You Lose Your Job: How Financial Planning Can Help 401(k) Contribution Limits Raised for 2009 Bank Fees up again in 2008 Study Hundreds of Consumers Connect with CFP® Professionals at CFP Board's Financial Planning Clinic in Miami Financial Alerts

	October 2008 When the Going Gets Tough, Stick to the Plan Market Volatility Causing Many to Rethink Retirement Schedules Survey: Are Your Retirement Plans On Track? (survey now closed) How to Discuss Finances with Aging Parents Miami Financial Planning Clinic Is Around The Corner Financial Alerts

	September 2008 How to Keep Score of Your Credit It's Nifty to be Thrifty Don't Be Rushed Into Switching Insurance Providers About CFP Board's Revised Standards of Professional Conduct CFP Board's first 2008 Clinic Attracts 500 Consumers Financial Planning Week: October 6-12, 2008 Financial Alerts

	August 2008 Kids and Money IV: Living at Home—Again 401(k) Savers Unfazed by Market Turbulence Check In to the Financial Planning Clinic! Free Online Financial Planning Information for Women Drop in Back-to-School Spending Survey: Do you Plan to Cut Back on Back-To-School Spending? (survey now closed) Financial Alerts

	July 2008 Kids and Money III: The College Years The Facts about Inflation Don't Let Debt Become a Four-Letter Word 401(k) Loans on the Rise Social Security Unveils New Calculator Financial Alerts

	June 2008 Kids and Money II: The Adolescent Years Frequently Asked Questions about Financial Planning Revised Ethical Standards Enhance the Value of CFP® Certification It's Time to Schedule Your Mid-Year Financial Checkup CFP Board on Track for Successful Financial Planning Clinics Survey: Does Your Financial Plan Include Stock Purchases? (survey now closed) Financial Alerts

	May 2008 Kids and Money: The Early Years How To Handle Home Equity Some Stimulus Rebates Go Astray Americans More Worried About Retirement; Health Costs a Big Concern Financial Alerts CFP Board Holding Free Financial Planning Clinics in Washington DC, Miami

	April 2008 Saving for College with a 529 Plan High Net Worth "Earners" Enjoy Greater Security During Economic Downturns If You Come Into Money, Here's How to Manage a Windfall Taxes Done? Then It's Time to Think About Next Year's Return Financial Alerts Survey: Will Rising Energy Costs Crimp Your Vacation Plans? (survey now closed) CFP Board Prepares for Free Financial Planning Clinics in Washington DC, Miami

	March 2008 Managing Your Money in Tough Economic Times Understanding Your Tolerance for Investment Risk The Mystery of Mental Accounting Financial Alerts Reverse Mortgages: A Tool to Use with Caution

	February 2008 Welcome to America Saves Week! Stimulate Your Finances: Using Your Tax Rebate Wisely Survey: How Will You Spend Your Tax Rebate? (survey now closed) Free Tax Help through VITA A Tool to Manage Your Tax Refund: IRS Form 8888 Financial Alerts

	January 2008 The ABCs of Socially Responsible Investing The Meaning of Mortgages III: Reasons to Refinance Financial Alerts IRS Considers Restrictions on Tax Refund Anticipation Loans Making Financial Goals Stick

	December 2007 The Credit Score Repair Kit The Meaning of Mortgages II: Getting the Credit you Deserve Federal Reserve Proposes Reforms to Mortgage Lending Practices Financial Alerts Survey: What Is the Biggest Financial Decision You Will Make in 2008? (survey now closed) Savings in America: Many Admit They're Not Doing Enough

	November 2007 Faith and Financial Planning The Meaning of Mortgages I: The Basics Financial Alerts Survey: How Does Your 2007 Holiday Gift Budget Compare to 2006? (survey now closed) Holiday Gifts and Values

	October 2007 Saving for Retirement: Bater Late than Never Getting to Know Annuities Financial Alerts Starting Out: Time Is on Your Side Save Time, Save Money

	September 2007 In Case of Emergency ... Use This Fund! Health Savings Accounts and You Financial Alerts Portrait of an Investment Fraud Victim Survey: Have You Experienced Financial Fraud? (survey now closed)

	August 2007 Getting Ready for Retirement IV: The Rise of Unretirement Survey: How Much Work Will Fill Your Retirement? (survey now closed) Financial Alerts What a Daily Money Manager Can Do for You CFP Board's 2007 Financial Planning Clinic: Workshop Presentations Now Available Online

	July 2007 Getting Ready for Retirement III: Generation-X Gets Serious about Planning Red Flags and Green Lights: Finding a Financial Planner You Trust Financial Alerts Is Credit Counseling Right for You? Workshops: College Funding and Planning and Estate Planning CFP Board's Free Financial Planning Clinic: August 4, 2007, Sheraton Boston Hotel

	June 2007 Getting Ready for Retirement II: Saving and Investing Survey: Have You Adequately Planned for Retirement? (survey now closed) Brave New Workplaces: Financial Planning as an Employee Benefit Help with Handling Health Insurance Financial Alerts How to Live Beyond Paycheck to Paycheck

	May 2007 Getting Ready for Retirement I: The New Rules of Retirement Noise Beyond the Dog Food Fallacy: How to Prepare a Personal Cash Flow Statement Financial Alerts Free Answers to Your Financial Questions:CFP Board's Financial Planning Clinic, August 4, 2007, Boston

	April 2007 Try a Little LTC: A Guide to Long-Term Care Insurance Preparing Your Financial Fire Drill Understanding Your Brokerage Statements Financial Alerts Free Online Introduction to Financial Planning Available from University of California, Irvine

	March 2007 Book Some Time in Your Local Library Everything You Always Wanted to Know about Women, Money, Divorce and Retirement but Were Afraid to Ask Survey: Do You Have an Emergency Fund? (survey now closed) Financial Alerts Focus on Ethics Doing Your Homework - Checking a Financial Planner's Background

	February 2007 How to Get a Clear Financial Picture Easy-To-Use Tech Tools for Financial Planning It Pays to Be Fit: Connections between Financial Fitness and Physical Health Are Obesity and Smoking the Only Factors to Blame for Our Health Care Crisis? Financial Alerts Your Rights as a Financial Planning Client

	January 2007 Our New Look Mutual Funds: Focusing on Fees Planning the Future for Children with Special Needs Survey: Did You Resolve to Improve Your Financial or Physical Fitness in 2007? (survey now closed) Financial Alerts 10 Questions to Ask When Choosing a Financial Planner

	December 2006 Taking Aim at Price Targeting Going for the Goals Adding Up the Value of Your Credit Learning More about Titles Financial Planners Use Recent Financial Alerts

	November 2006 To Buy or Not To Buy Reasons To Be Cheerful Survey: When Did You Last Check Your Credit Report? (survey now closed) Planning Your First Visit with a Financial Planner Recent Financial Alerts

	October 2006 What I Learned from Ebenezer Scrooge Don't Gamble with Your Future: How Monte Carlo Simulations Can Help in Retirement Planning Resources on CFP.net Share Your Opinions: Complete Our Reader Survey (survey now closed) NAIC Consumer Alert: Annuities and Senior Citizens

	September 2006 When Willpower Won't Survey: Do You Plan Your Shopping with a List? (survey now closed) Getting to Grips with Pensions Time to Invest? Recent Financial Alerts

	August 2006 Credit Where Credit Is Due Smart Ways to Pay for College Financial Planning Clinic Ethics and Financial Planning

	July 2006 Saving: It's All in the Mind How to Find a Summer Job In Conversation with Robert Duvall, CEO of National Council on Economic Education Survey: At What School Level Did You Receive the Best Financial Education? (survey now closed)

	June 2006 On the Road-For Less The Skinny on Travel Insurance Get Organized with CFP Board's Personal Data Organizer Profile: Myfinancialadvice

	May 2006 Let's Talk about Debt Mom's Money Lessons Survey: From What Source Have You Learned the Best Money Lessons? (survey now closed) Profile: Mercer Bullard, Founder and President of Fund Democracy

	April 2006 A Cure for the Working Wounded Spring Cleaning for Financial Records Financial Alerts In Conversation with Louis Barajas, CFP®

	March 2006 Tax Refunds Aren't Found Money: Evaluating Your Income Tax Withholding Rate Survey: How Did You Spend Your 2005 Income Tax Refund? (survey now closed) New Retirement Models to Replace the Impossible Profile: The Money Camp

	February 2006 Feel Good About Your Financial Plan Before You Donate: Getting to Know a Charity Parakeet Funerals Make Your Vacation Pay!

	September 2004 Getting Control of Your Income Tax Planning How Do Your Finances Compare? Has Your Identity Been Stolen? Financial Seminars - Help or Hype?

	February 2004 Employee Benefits Offer Myriad Financial Advantages Take Our Financial Planning Survey (survey now closed) State Securities Regulators Release Top 10 Scams Providing Free Financial Guidance to Individuals in Need Securities Exchange Commission Seeks Your Input

	October 2003 Consider Goals in Planning for a Major Purchase Where Will You Spend Your Money? (survey now closed) Insurance Policies - A Fair Exchange? Is Your Financial Planner Doing a Good Job?