,,iv  #aai? ,,congress  #a/ ,session    
,h4 ,,res4 #ijh  ,,9 ,,! ,,h\se ,,(     
,,repres5tatives  ,novemb] #ba1         
#bjbe,mrs4 ,kim 7= h]self & ,mrs4       
,beatty7 submitt$ ! foll[+ resolution2  
:i* 0 ref]r$ to ! ,committee on         
,ov]sight & ,gov]nm5t ,re=m             
,,resolution  ,express+ support = !     
designation ( ,octob] #bjbe z ,national 
,f9ancial ,plann+ ,mon?4  ,:]eas #hi    
p]c5t ( ,am]icans are conc]n$ ab\t ! co/
 ( liv+1 & approximately half (         
,am]icans cite ! high co/ ( liv+ z an   
ob/acle to a*iev+ _! f9ancial goals2    
,:]eas f9ancial plann+ is a             
collaborative process t helps maximize a
 cli5t's pot5tial = meet+ life goals    
?r\gh f9ancial advice t integrates      
relevant elem5ts ( ! cli5t's p]sonal &  
f9ancial circum/ances2 ,:]eas f9ancial  
plann+ is critical to ! economic        
well-be+ & /ability ( individuals1      
families1 communities1 bus9esses1 & !   
,nation2 ,:]eas1 accord+ to rese>*      
conduct$ by ,,cfp ,bo>d1 ! /&>d-sett+   

body = f9ancial plann]s1 #dj p]c5t (    
,am]icans h less ?an #djj 9 em]g5cy     
sav+s & _m ,am]icans d n h access to1 or
 k (1 compreh5sive f9ancial plann+      
s]vices1 :i* include budget+1 sav+1     
inve/+1 retirem5t plann+1 manag+ debt1  
insurance1 & e/ate plann+2 ,:]eas       
f9ancial unc]ta9ty caus$ by inflation1  
ris+ co/s ( education1 h\s+1 heal? c>e1 
& *ang+ labor m>kets increases ! risk t 
individuals may lack suffici5t retirem5t
 sav+s or face f9ancial h>d%ip2 ,:]eas  
,am]icans work+ ) ,,c]tifi$ ,,f9ancial  
,,plann] pr(essionals are m likely to   
feel prep>$ = a crisis1 & #d 9 #e p :o  
"w ) a ,,c]tifi$ ,,f9ancial ,,plann]    
pr(essional indicate t !y h #c mon?s'   
wor? ( sav+s 9 _! em]g5cy fund1 :ile by 
comp>ison1 only #ec p]c5t ( unadvis$    
,am]icans h suffici5t em]g5cy sav+s2    
,:]eas ,am]icans work+ ) ,,c]tifi$      
,,f9ancial ,,plann] pr(essionals are m  
likely to live com=tably ?an ^? :o d n1 
& m ?an half ( p advis$ by a ,,c]tifi$  
,,f9ancial ,,plann] pr(essional describe

 !mselves z liv+ com=tably1 :ile only   
#bh p]c5t ( ^? :o are unadvis$ feel !   
same2 ,:]eas f9ancial plann+ education  
at all /ages ( life1 high s*ool1        
college1 work+ ye>s1 & retirem5t1 is    
critical to ensur+ in=m$ decision-mak+2 
,:]eas f9ancial plann]s1 nonpr(it       
organizations1 community organizations1 
educational in/itutions1 & bus9esses    
play an important role 9 educat+ !      
public & exp&+ access to f9ancial plann+
 s]vices2 ,:]eas #ag p]c5t ( ,,c]tifi$  
,,f9ancial ,,plann] pr(essionals        
volunte] _! "t & exp]tise ?r\gh pro bono
 f9ancial plann+ s]vices1 help+ und]s]v$
 individuals & families navigate        
f9ancial *all5ges & make in=m$          
decisions1 !reby exp&+ equitable access 
to critical f9ancial guidance1 &        
,,c]tifi$ ,,f9ancial ,,plann]           
pr(essionals record$ #chi1dce pro bono  
h\rs 9 #bjbd alone2 ,:]eas f9ancial     
lit]acy rema9s l[ among ,am]ican adults1
 ) few] ?an half correctly answ]+       
f9ancial lit]acy que/ions1 a /ati/ic t  

has n *ang$ s9ce #bjag1 & ) f9ancial    
advice easily accessible onl9e1 ne>ly #c
 9 #e ,am]icans say !y h made           
regrettable f9ancial decisions bas$ on  
mislead+ onl9e in=mation2 & ,:]eas x    
w\ld be appropriate to obs]ve ,octob]   
#bjbe z ,national ,f9ancial ,plann+     
,mon?3 ,n[1 !re=e1 be x ,t ! ,h\se (    
,repres5tatives-- 7#a7 supports !       
designation ( ,national ,f9ancial       
,plann+ ,mon? to increase public aw>5ess
 ab\t ! importance ( f9ancial plann+ & !
 _m b5efits t ?or\gh f9ancial plann+ c  
br+ to individuals1 families1 &         
communities2 &  7#b7 urges ! p ( !      
,unit$ ,/ates to obs]ve ,national       
,f9ancial ,plann+ ,mon? ) appropriate   
programs & activities1 includ+-- 7,a7   
public sem9>s or work%ops on budget+1   
sav+1 use ( cr$it1 inve/+1 & retirem5t  
plann+2  7,b7 f9ancial education        
curricula 9 s*ools & colleges2  7,c7    
promot+ access to f9ancial plann+       
s]vices2  7,d7 g5]ally improv+ !        
f9ancial lit]acy ( individuals ( all    

ages2 &  7,e7 support+ & promot+ pro    
bono f9ancial plann+ initiatives to     
provide no-co/ f9ancial guidance to     
und]s]v$ & economically vuln]able       
individuals & families4