TAILIEUCHUNG - 2012 HOUSEHOLD FINANCIAL PLANNING SURVEY

However, designing and implementing a successful ITC program presents several challenges. First, tax-credit benefits cannot be captured by government agencies, nonprofits, and schools because these entities have no state tax liability. Making a comparable grant or other type of cash incentive available to these organizations would help ensure equity among sectors. Oregon offers a unique solution to this drawback by employing a “pass-through” option whereby nontaxed organizations can receive the net present value of a tax credit they transfer to a third party, such as their energy services company, equipment vendor, or other business | ICFP E3AR CERTIFIED FINANCIAL PLANNER BOARD OF STANDARDS INC 2012 HOUSEHOLD FINANCIAL PLANNING SURVEY A Summary of Key Findings July 23 2012 Prepared for Certified Financial Planner Board of Standards Inc. and the Consumer Federation of America Prepared by Princeton Survey Research Associates International Contents EXECUTIVE Key A Much Tougher Economic Landscape for American Most People Find Managing Finances Fewer Having Savings for Emergencies and Child s Majority Have a Plan for Spending Goal but Few have a Financial Planners More Confident About Handling their Finances Feel Better about their Planning Benefits All Income Levels not just the About the SECTION 1 CURRENT ECONOMIC SECTION 2 SAVING AND PLANNING TO MEET FINANCIAL Saving and Planning for Saving and Planning for During Saving to Send a Child to Saving and Planning for Other Financial SECTION 3 CREDIT CARD SECTION 4 THE IMPORTANCE OF FINANCIAL Emergency and Retirement Comprehensive Financial SAVERS Design and Data Collection Weighting and 2 EXECUTIVE SUMMARY Key Findings Still feeling the effects of the Great Recession many American families today struggle just to make ends meet. The CFP Board Consumer Federation of America Household Financial Planning survey finds people today facing tougher choices about how to allocate more limited financial resources. Saving enough money for future goals like retirement and kids college - while also maintaining an adequate emergency fund and staying out of serious debt - has always been a challenge. This was true even in the more favorable economic climate of 1997 when Princeton Survey Research Associates International first surveyed household decision-makers .

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