Journal of Financial Planning: December 2021 Sign in to continue. Access this exclusive member content, plus so much more. Become a member Sign in Journal: December 2021 December 2021 More from this issue December 2021: Starting Thoughts By Danielle Andrus December 2021 Establishing Financial Self-efficacy Among African American Students By November 2021 Forty Years of Perspective on the Profession By Hannah Moore, CFP® December 2021