Meeting with a Financial Planner; what should I bring?

Question

I'm meeting with a Financial Planner tomorrow regarding:

-401K investments (I have one, but I want to understand more about it and just how much I really should be investing, etc.)
-Going back to college (I'm 28)
-Whether I should re-fi my truck or trade it in for another vehicle (it's worth more than I owe)
-What I should be doing financially, if anything, with my credit score (I fall in "excellent" territory)
-Best way to pay off my credit card (I owe 1/3 of what my credit card limit is)
-Reducing my CC APR%

What should I be taking in with me outside of my current 401K paperwork?  They'll have access to my bank account and car loan information as it's my bank.  Any helpful hints as this is the first time I've ever sat down with someone to truly discuss my future finances.

A Hunch · Answer

I financial planner is someone who helps you develop your financial strategy and determine your investment planning.  I think you are looking more for personal budgeting, not financial strategy.  This is probably not the right meeting for you.

A personal accountant may be a better route but they aren't' going to know much about cc APR and refi-ing car loans.
You should look into extension classes at your local community college or community classes in your area (like through parks and recreation).

Other ways to learn this is just personal education.  Start reading the business page of the paper and Money Magazine (a great magazine for personal finance) or Smart Money Magazine (a cross between personal finance and investment)

Anonymous · Answer

You have meager wealth.  Anyone who would bother to meet with you isn't very good.  This planner is only looking for a payday.

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Meeting with a Financial Planner; what should I bring?

2 Answers