"In the not-so-distant past, financial planning was primarily for people with high net worth.  But in recent times, as defined benefit plans have given way to self-directed 401k plans, individuals have taken on more and more responsibility for their own financial well-being.  As a result, the need for financial planning has expanded to a much broader population," said St. Germain. "But often, these clients have vastly different planning needs, and models for serving them effectively are continuing to evolve."

A forum for sharing best practices, great ideas, and useful resources, the hour-long session was popular with Garrett Planning Network and Cambridge Advisors planners and others who currently work with these consumers, as well as prospective middle market planners.

NAPFA is a 1,000+ member organization of Fee-Only comprehensive financial advisors. NAPFA-Registered Financial Advisors must meet the highest professional education, competency and compensation standards. They are knowledgeable not just about investments, but also insurance, estate planning, tax planning and retirement planning.  For more information, visit www.napfa.org.