A financial plan is a personalized roadmap for achieving your financial goals and it’s an important tool to help keep your investments on track. At Santander, we conduct a comprehensive analysis of your current financial situation, then we’ll work with you to create a plan for your goals, whether it’s for a big purchase, securing your retirement, or for growing your rainy-day fund. Your plan will highlight ways to reach your goals, like reducing spending, changing your investment strategy, or saving more. A personalized plan can cover a range of concerns, including generational wealth transfer, investment planning, incapacity planning, education funding and income planning. It will also consider your prioritized goals, such as building a tax efficient income plan or creating a custom investment strategy based around personalized risk levels.