Your CPA is a good place to start. A financial plan should include a review of your net worth, goals and objectives, property and other assets, liabilities, cash flow, investments, retirement planning, estate planning, tax planning and insurance needs, as well as a plan for implementing your goals. You can then rank the importance of the goals. If you are saving toward something tangible, instead of just saving, it may be easier. One of the first things that you should do in reviewing your financial situation is to determine your net worth.
Many people are surprised to find out how much they are really worth.
First, estimate the value of your assets. If you have owned your home for a number of years you may be sitting on a nice nest egg. Several different real estate appraisals will help you determine its worth. Organize bank and brokerage statements and record their value. List your liabilities such as mortgage, car loans or credit card debt.