(NewsUSA) - Every family’s financial situation is unique, with different challenges, opportunities and cultural considerations affecting their decisions about money. For some -- particularly families who have immigrated from Latin America, where financial services are less regulated than in the United States -- a mistrust of financial institutions may also influence decision-making.

According to the Federal Deposit Insurance Corporation (FDIC), Latino households are five times less likely than white ones to have a banking relationship. Other research has found that financial challenges facing the Latino community range from higher debt and lower household wealth to less awareness of, or access to, diverse financial products.

Although this can make planning for your family’s future seem complicated and overwhelming, a CERTIFIED FINANCIAL PLANNERTM professional has the education and experience to help you make sense of your financial options and chart a path to reach your short- and long-term goals. CFP® professionals also make a commitment to the CFP Board to act as a fiduciary when providing financial advice to clients, which means they have agreed to put their clients’ best interests first.

Here are three tips for building trust and making the most of a partnership with a CFP® professional:

1. Look for a CFP® professional with international expertise. If your family members don’t live near you, estate planning can be challenging, so make sure you prioritize that with your planner. Cross-border issues need to be taken into consideration to minimize financial consequences. Make sure you ask your financial planner to give examples of how they’ve dealt with similar client issues in the past.

2. Include your family in the planning process. If your focus is on taking care of your family as a unit -- or you rely on your closest relatives for advice -- it may be smart to involve your partner, parents and children in your financial plan. This enables you to work together as a family to align your financial plan with the family’s well-being. It can also accelerate relationship-building with your financial planner as they learn about your values, culture and unique traditions.

3. Make sure your financial plan covers your needs. Most plans include cash flow planning, retirement, education, taxes and estate planning. Including plans for establishing credit, debt management and asset protection is also important. Don’t be afraid to ask your planner questions about financial structures and products that you’re not familiar with, or have them explain the advantages and disadvantages of different options. You can also ask your planner for illustrations or other graphic representations of your options. Visit LetsMakeAPlan.org to find a CFP® professional in your area and for more tips on making a solid financial plan.

Getting started on a comprehensive financial plan today will prepare you for a more secure tomorrow.