As we sit on a stock market slope peering back at the canyon that was 2008 and past that to the peak of October 2007, most people are wondering what lies ahead for the markets in this new decade and beyond. The truth is no one knows for sure.

What we do know is that venturing blindly toward your financial horizon is probably not the best course of action. Planning your next step could be the difference between another frustrating time when the markets aren't cooperating and feeling comfortable that you are positioned to glide through the turbulence.

Although there are many questions that need answered while developing a plan for your financial future, here are some that come to mind.

• How much income will I need in the future and where will it come from?

• Will my spouse have enough income if something should happen to me?

• Am I invested appropriately for my situation?

• Is a Roth IRA conversion right for me?

• Am I paying too much in taxes?

These are just a handful of the questions answered by the Hefren-Tillotson MASTERPLAN.

The MASTERPLAN is our unique approach which identifies each of our clients' personal financial needs and goals.

We've found that most people have an accountant, attorney, investment adviser and insurance agent but have never thought to coordinate all of the areas these professionals are helping them with. The MASTERPLAN is a way to make sure every aspect of an individual's financial situation works together.

Choosing an investment firm is an important decision, and we hope you will allow us to get to know you by helping you develop your MASTERPLAN. There is no cost or obligation. It is our way of getting to know you and letting you get to know Hefren-Tillotson.

Whether you're already in retirement, soon to be retired or it is decades away, you should take some time to plan for the future. There's no time like the present.

Brian Knapp, CFP, and Josh Knapp are a father and son team of financial professionals in the Hefren-Tillotson family. They are able to help individuals and businesses meet their financial goals.

To contact Brian or Josh, ask for them at 724-283-3788 or e-mail them at brian.knapp@hefren.com or joshua.knapp@hefren.com.