Financial Planning For the CPAs at UGJ, financial planning involves working with clients to minimize their taxes. However in that process we look at Pension Plans, how much is being saved for retirement. We also address savings for college education funding for the children.   Our accountants also tend to ask if there are any wills? Does the client have a need for any trusts? Are there any children with special needs?   At UGJ, a client is likely to get an unbiased and solid opinion relating to most financial questions. Although our company does not sell securities, we can refer you to a broker with a solid performance in good times and bad times.