Does the idea of financial planning for the future seem complex or confusing? Are you worried that you won’t be able to save the money you need to send your children to college or to have a comfortable retirement? Well, you’re not alone, and there are steps you can take to get started. Learning about the kinds of savings, investment, and retirement plans available to you is a big step on the road to financial freedom.

On the following pages, you’ll learn about ways to improve—or develop—your savings and investment strategies. You’ll also find out what a financial advisor or planner can and can’t do for you, and how to find a good one.