financial planning

noun
1.
the devising of a program for the allocation and management of finances and capital through budgeting, investment, etc.
2.
the business of devising such programs.

financial planner, noun
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Based on the Random House Dictionary, © Random House, Inc. 2014.
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Example sentences
The last bit of insurance against disaster is financial planning.
During difficult times, financial planning is more important than ever.
The first step is to realize that there are financial planning firms that blend
  mind and money matters.
Some parents have already commented on the financial planning program.
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