Which one of the following would probably benefit the most from personal financial planning services

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Which one of the following would probably benefit the most from personal financial planning services? . A. Wealthy individuals who may face estate tax liabilities . . B. Older persons nearing retirement and needing to know what their income will most likely be during retirement . . C. People in high tax brackets looking for tax-advantaged investments . . D. People of modest means who are least able to afford financial planning services .

The correct answer is (D)- People of modest means who are least able to afford financial planning services

Explanation:

Personal financial planning is a term that includes stuff like budgeting, retirement planning, saving, insurance and getting out of debt. It can also be referred to as the entire industry that provides financial services to individuals and households, that provide financial and investment advice. It is about meeting personal financial goals, to know if you have enough for short-term financial needs, or you are planning for retirement, it may even be saving for your child's college education. It all depends on your income, expenses, living requirements, and individual goals and desires.

A. Wealthy individuals who may face estate tax liabilities .

This option is wrong. These individuals may need is personal financial planning services but we are talking about those who will benefit the most here.

B. Older persons nearing retirement and needing to know what their income will most likely be during retirement.

This answer is wrong. They may need the help of financial planning services quite alright, but they have been doing fine before now and probably have the funds to hire one, that does not mean it will benefit them the most.

C. People in high tax brackets looking for tax-advantaged investments.

This answer is wrong. People with high tax brackets are most often than not wealthy people. They may need it, But it won't benefit them the most given the options.

D. People of modest means who are least able to afford financial planning services.

This is the correct answer. Not only do they need it, they will benefit the most out of a four group of people because they a least able to afford it among the four categories of people mentioned. So they can better plan with their income and avoid unnecessary expenses.

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