By Jeffrey J. Buonforte, CERTIFIED FINANCIAL PLANNER ^TM

If you’re a small business owner, chances are you have a sales and marketing plan. But do you have a financial plan? If not, it’s important to make that a priority.

Even a one-person entity needs a financial plan. A financial plan allows you to compare forecasts to actual results and to make smarter decisions on future spending or investments.

Financial plans are especially helpful in tough tim ...

By Jeffrey J. Buonforte, CERTIFIED FINANCIAL PLANNER ^TM

Most Americans will spend approximately 20 years in retirement and many agree that planning for this time period is important. However, the U.S. Department of Labor reports that fewer than half of those who want to get ready for their golden years actually know how much they need to save for it. As a result, many put off the planning process and miss opportunities. At Lakeland Bank, we encourage individuals ...