Taking a strategic approach to managing your finances is a good way to keep tabs on how youíre doing, but even the most organized person doesnít always take the time to make an annual financial plan. As fall approaches and students head back to school for a new year, itís an excellent time to begin mapping out what you hope to achieve financially over the next 12 months. Even if you feel fairly confident about the way youíve been handling your finances so far, understanding how you can use an annual financial plan to your advantage can help you make smarter decisions with your money going forward. (For more, see Financial Planning: Itís About More Than Money.) What Is an Annual Financial Plan? An annual financial plan is a guidebook of sorts...