Abstract
Clients have strong emotions around their money, yet there is a tendency to focus solely on the economic aspects of a client's financial well-being. In their work with clients, many financial planners utilize CFP Board's six-step Financial Planning Practice Standards. Traditionally, this framework focuses on financial data-gathering and financial goals, and does not necessarily include the emotional, cognitive, and behavioral aspects of a client's money-related issues. This paper provides a framework for integrating behavioral finance, financial psychology, and financial therapy theory and tools into the six-step financial planning process to help planners provide more comprehensive and effective services. Financial planning stands to benefit greatly should the profession choose to adopt and integrate behavioral finance, financial psychology, and financial therapy theory and practices.