Financial Life Planners

Get Real. Get Clear. Get Results.

A pioneer in behaviorial economics, Cynthia Fick is a Registered Investment Advisor and founder of Financial Life Planners.  As the global financial environment has evolved, so has FLP's mission, from being traditional financial advisors to being financial life strategists.

Through various media channels - articles, newsletters, seminars, television appearances and radio interviews -Financial Life Planners helps individuals remember that their financial dreams can come true, not by magic, but by this powerful and effective process. They are making it happen in their clients' lives every day.


Click here to watch Cynthia on Good Morning Arizona.

Click here to watch FLP on 3 on Your Side.

Click here to read an FLP article on the hidden costs of investments

Click here to watch Cynthia coach a client on her money beliefs.

See our Calendar of Events for upcoming events and seminars featuring Cynthia.

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To inquire about speaking engagements, television appearances, radio programs, or interviews, please contact our office by email or telephone.

Impact of Inflation

Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.

Lease Interest

What's the interest rate on the lease you're considering?

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

More Calculators →

Consider Your Retirement Needs, but Don't Forget Your Retirement Wants

A rule of thumb is that workers will need to replace about 80% of their pre-retirement incomes to maintain their standard of living in retirement. But they may need more than 80% to fund a lifestyle that they can truly look forward to. As people grow older, what once may have been considered luxuries can become basic needs.

How Interest Rates Can Influence Financial Decisions

The Federal Reserve has relied on its control of short-term interest rates to influence economic activity. Adjusting interest rates might seem to be an overly simple solution for steering the world's most powerful economy, but few mechanisms can influence behavior more effectively than interest rates.

For Better, For Worse: Communicating About Retirement

A recent study indicates that couples are not communicating clearly about retirement goals and strategies, even as they approach retirement age. This article offers suggestions to open a dialogue and encourages couples to discuss their retirement needs and desires with each other and with their financial advisor.

To Roll or Not to Roll: It's Your Choice

Some employers are encouraging departing employees to leave their retirement savings in their employer plans. But employees should make any decisions based on their own needs and concerns, not the former employer's. Read about the pros and cons of rolling over retirement plan assets to an IRA.

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