November 2025: Serving a Diverse Industry
COVER STORY
Phase Shifting: Planning for Clients’ Second Act
By Elizabeth Jetton, CFP Board Emeritus®
Just because clients are getting older doesn’t mean that their life goals and aspirations can’t change.
Click HERE for the latest DIGITAL EDITION
CLIENT COMMUNICATION AND CARE
Multigenerational Retention: The Transparency Blueprint for the Next Generation
By Mo Buckner; Nicholas Frederick, CFP®, CTFA; Congrong Ouyang, Ph.D.; and Cory Thompson, Ph.D.
The life cycle hypothesis and altruism theory provide a framework for helping planners close the disconnect between perceived and real communication effectiveness.
FPA NEXT GENERATION PLANNER
Forward Thinking
What Every Client Has in Common
By Gloria Garcia Cisneros, CFP®
Lead Article
Is It Different for Female Financial Advisers? Why the Industry Needs a New Conversation
By Gretchen Halpin
My Career Path
Joy Slabaugh, CFP®, LACMH, on Aligning People and Portfolios
Planner Poll
The FPA Community Weighs in on Learning About Unique Needs of Clients with Different Backgrounds
Planning a STUDY GROUP? Check out suggested questions and other resources to make your study group a success!
COLUMNS
Human Capital
Compensating What Counts—A Clearer Path to Earning Through Performance
By Cameron Logar, CRPC, CPTD
When it comes to compensation, it’s not just how much, but how and for what that drives motivation and culture in financial planning firms.
Succession Planning
Why Should RIAs Consider Diversity When Succession Planning?
By Richard Chen
It’s not about goodwill, it’s about laying the groundwork for opportunities for success.
Longevity
AI, Financial Planning, and Diversity
By Chris Heye, Ph.D.
Whether AI democratizes access to financial advice or concentrates wealth in those who already have it will be determined by the decisions that we make now.
Risk Management & Insurance Planning
Four Criteria for Goals-Based Insurance Planning
By Anne Jones
Advisers working alongside insurance agents must focus on these core attributes when communicating insurance needs to their clients.
Fintech
From Gaps to Gains: How Financial Planners Can Support Women’s Wealth Journeys with Technology
By Molly Weiss
Early, personalized advice is critical to help women achieve their goals and fill gaps in savings.
Earn one CFP CE® credit by reading this month's Journal and access past exams for additional credits.
SPECIAL REPORT
Introducing Financial Business Planning for SMEs to Reach Sustainability Goals
By Fred de Jong, Ph.D.; Marcel van Kooten, LL.M., MFP, CFP®; Robert G.J. van Beek, CFP®; and Siem de Ruijter
Sustainability planning offers new paths to business growth. The financial business planning model encourages planners to embrace new ways of evaluating risk and opportunity for their business-owner clients.
RESEARCH
Categorizing Financial Wellness into Meaningful Quadrants
By Sonya Lutter, Ph.D., CFP®, LMFT, and Van Dinh, Ph.D.
Identifying which quadrant a client falls into can help uncover hidden issues that a client may be experiencing, despite their financial wellness looking good on paper, fostering a deeper client relationship.
VIDEO: BEHIND THE RESEARCH
DEPARTMENTS
STARTING THOUGHTS
Lunar Lessons
By Danielle Andrus
OBSERVER
Younger Investors Optimistic, AI-Powered Fraud, More Than Just Referrals
Stat Bank
JFP ACADEMICS
Upcoming Research
IN CASE YOU MISSED IT
Navigating Fiduciary Duty in the Era of ESG Investing: Insights from Financial Advisers
By Haley Burton, Ph.D., and Josh Sauerwein, D.B.A., CPA®
As ESG investing has become more popular, the meaning of a fiduciary has evolved. How do the two themes interact, and how are actual clients and advisers thinking about ESG investing?
Click HERE to access Journal of Financial Planning ARCHIVES
