Investment planning is the process of creating a strategy to manage and grow one's financial assets. It involves analyzing an individual's financial goals, risk tolerance, and current financial situation to determine the best course of action for investing. This can include creating a diversified portfolio of stocks, bonds, real estate, and other assets, as well as considering tax implications and potential returns. Investment planning also involves regularly monitoring and adjusting investments to ensure they align with the individual's goals and market conditions. The ultimate goal

Wealth management is a specialized financial service that helps individuals and families manage their wealth and assets. It involves creating a comprehensive plan to maximize the growth and protection of one's wealth, taking into account their financial goals, risk tolerance, and current and future needs. Wealth managers work closely with their clients to understand their unique financial situation and provide personalized strategies and advice to help them achieve their financial goals. This can include investment management, tax planning, estate planning, retirement planning, and risk management. Wealth

Retirement planning involves preparing for the financial and lifestyle changes that come with leaving the workforce and transitioning into retirement. It is a process of setting goals, assessing current financial resources, and creating a plan to ensure a comfortable and secure retirement. This may include saving and investing for retirement, estimating future expenses, and creating a budget. Retirement planning also involves considering factors such as healthcare costs, Social Security benefits, and potential sources of income during retirement. It is important to start planning for retirement as early as