FPA NexGen
The next generation is comprised of new and aspiring financial planners who come from a variety of life experiences and backgrounds. FPA gives them a professional home from which they can thrive. Those entering the financial planning profession today do so in different ways. Some are students exploring financial planning as their potential vocation, while others are career-changers. Some are recent graduates preparing to take the CFP(r) examination, while others are joining firms at the ground level. The "next generation" is no longer defined by age but rather by where you are in your career. FPA NexGen is an inclusive community of members of all backgrounds - no matter how they arrived in the profession. The community is ultra-collaborative, so if you have a passion for connecting with your peers, learning how you can be a better financial planner, and sharing insights, FPA NexGen is for you. Learn more here .
Articles by FPA NexGen
- Money & Life
Why Do So Few Eligible Families Have an ABLE Account?
They found that among Supplemental Security Income recipients whose disability began before age 26, only 1.1% had an ABLE account as of December 2021.
- Money & Life
The Silence Tax: When Shame Gets in the Way of Financial Education
The Silence Tax is real and negatively affects individuals by costing them opportunities, time, confidence, and sometimes money.
- Opinion
He Kept Overdrawing His Account. The Real Problem Had Nothing to Do With Self-Control.
The ATM was a black box to him. It dispensed cash, but he did not understand how a withdrawal affected his account balance.
- Money & Life
What Are We Really Saving For? The Financial Planning Lessons Hidden in Back-to-School Season
Education can be an expense. It can also be an investment in opportunity, independence, career growth, or personal fulfillment.
- Research
How Researchers Used Plutchik's Wheel to Map the Emotional Journey of Financial Planning
Written by: Chris Carnazzo | Your Money Cues Plutchik's wheel of emotions.
- Money & Life
A Thousand Small T’s
Trauma Informed Planning for Special Needs Families. **Written by: Chris Carnazzo | **** Your Money Cues ** There are two strong articles in the July 2026 issue of the Journal of
- Money & Life
Spotting Your Money Cues
When the Face Doesn't Match the Financial Plan. Something feels off. You can’t quite put your finger on it.
- Retirement & Income Planning
A Ten-Year-Old Ran My IRA
How Money Scripts Are Created. Have you ever done something stupid with your money?
- Money & Life
The Overlooked Connection Between Financial Planning and Emotional Well-Being
Financial stress, uncertainty, and major life transitions can also influence how people think, feel, and make decisions over time.
- Money & Life
The Invisible Language of Money
What Your Face Reveals While Talking About Money. In season one, episode two of Rooster (HBO, 2026), writing teacher Greg Russo walks into college president Walter Mann’s office and runs straight into a colleague who made a pass at him the night before.
- Money & Life
What You Need To Know About a Health Savings Account (HSA)
An HSA is a savings account that allows eligible participants to set aside pre-tax funds for qualified medical expenses.
- Money & Life
Tax Season Is Over. Now What? Turning This Year’s Return Into Next Year’s Strategy
April is Financial Literacy Month, but financial clarity doesn’t come from filing, it comes from reflecting.
- Money & Life
Tips for Buying a Home in the Current Housing Market
With affordability becoming tougher, here are some tips that can help you get a lower monthly payment and get your offer accepted.
- Money & Life
A Practical Guide for Young Adults Living Paycheck-To-Paycheck
Over time, this can create a stressful environment that makes it difficult to build long-term financial stability.
- Opinion
Comms To Cash Flow: My Journey to a Wealth Management Career
I couldn’t pay off my credit card in full—a principle I’d been raised with—and the anxiety of that was keeping me up at night.
- Opinion
The Need Is Real: Why Latino Communities Need More Than Financial Education
There is a real financial planning gap in Latino communities, and I do not think our profession should pretend otherwise.
- Opinion
Pivot Corner: Starting Over with Purpose at 42
At 42 years old, most people aren’t walking onto a college campus for the first time. They’re established. Settled into careers.
- Opinion
Redefining CEPA: Why “Business Wealth Advisory” Precedes “Exit Planning” for Younger Business Owners & Founders
The wealth management and exit planning industries are undergoing significant demographic and generational realignment.
- Opinion
Women Are the Market So Why Are Advisors Still Missing the Mark?
March marks Women’s History Month, a time to celebrate progress, but also to ask whether financial planning is truly meeting the mark.
- Money & Life
Redesigning Budgeting — Why Budgets Suck and How To Fix Them
In my experience, most people have terrible experiences with budgeting. As many of them would say, budgeting sucks.
- Opinion
The Advisor’s Rite of Passage: From First Client to True Fiduciary
This got me thinking about the events that mark the passage from novice practitioner to master of the advisor craft.
- Active Investing
Consider This Alternative Way To Invest in the S&P 500
The Equal-Weighted S&P 500 index is an effective way to bolster diversification and take advantage of broader market opportunities
- Money & Life
Estate Planning for Young Homeowners
Estate planning ensures asset protection, legacy, clarity, and care for your loved ones, including your children.
- Money & Life
What You Need To Know About Trump Accounts
Established as part of the One Big Beautiful Bill OBBBA to create a tax-advantaged savings and investment account for children under the age of 18.
- ETFs
Beware of Leveraged Exchange-Traded Funds
Despite the increasing popularity of leveraged ETF’s, we do not believe in their suitability in client portfolio construction.
- Retirement & Income Planning
Do I Need To Change My Investment Strategy When I Reach Retirement?
We will dive into three time-tested approaches to retirement income to learn more about which strategy could be right for you.
- Money & Life
How To Plan for 2025 Year-End Mutual Fund Capital Gain Distributions
Mutual funds are a popular way to access professionally managed equity strategies, usually with the intent of driving outperformance.
- Opinion
The Hardest Transition: Why Succession Planning Hits So Close to Home
For so many, the business is them. It’s not just how they earn a living; it’s how they’ve made their mark on the world.
- Research
The Importance of Not Overestimating Projected Equity Returns
Equity return assumptions play a critical role in financial planning and are often the determining factor between achieving financial goals or not.
- Market Intelligence
The Role of Alternative Investments for Financial Advisors: A Qualitative Analysis of Retail Investors and Independent Financial Advisory Practices
An increase in interest rates brought about a simultaneous decline in stocks and bonds, causing casualties from regional banks like Silicon Valley Bank.
- Opinion
Is the 4% Rule Outdated?
Today’s retirees can likely withdraw 4.7% instead of 4%. Going one step further, he even suggests that 5.25–5.5% might be safe.
- Money & Life
Rhymes With Fired
When an untimely life event accelerates their retirement date, retirees may find themselves without a regular income stream
- Money & Life
Key Tax and Estate Planning Benefits of a Donor Advised Fund
A DAF is a tax-efficient and simple investment solution set up by an individual, family or organization for charitable intentions.
- Future of Advice
Our Industry Needs Change — And It Starts With Us
The good news? We can fix this. But it requires a deliberate shift in how we hire, train, and develop the next generation of financial planners.
- Opinion
Looking Ahead to the 2026 Healthcare Landscape
The passage of the OBBBA is also being viewed as the shutting of the metaphorical door on the renewal of Affordable Care Act subsidies
- Money & Life
Putting the “Personal” in Personal Financial Planning
Most financial advisors are still cranking out cookie cutter financial plans that lead to poor client implementation. #advisors
