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An urban planner or town planner is a professional who practices in the field of urban planning. The responsibilities of an urban planner vary between jurisdictions, and sometimes within jurisdictions. The following is therefore a general description of the responsibilities of an urban planner, of which an urban planner may well typically practice two or more of. An urban planner may also specialize in one responsibility only. A financial planner or personal financial planner is a professional who prepares financial plans for people. These financial plans often cover cash flow management, retirement planning, investment planning, financial risk management, insurance planning, tax planning, estate planning and business succession planning (for business owners). Financial planning should cover all areas of the client’s financial needs and should result in the achievement of each of the client's goals as required. The scope of planning would usually include the following: A wedding planner is a professional who assists with the design, planning and management of a client's wedding. Weddings are significant events in people's lives and as such, couples are often willing to spend considerable amount of money to ensure that their weddings are well-organized. Wedding planners are often used by couples who work long hours and have little spare time available for sourcing and managing wedding venues and wedding suppliers. Professional wedding planners are based worldwide but the industry is the largest in the USA, India, western Europe and China.[1][2] Various wedding planning courses are available to those who wish to pursue the career.[3] Planners generally charge either a percentage of the total wedding cost, or a flat fee.[4][5] Planners are also popular with couples planning a destination wedding, where the documentation and paperwork can be complicated. Any country where a wedding is held requires different procedures depending on the nationality of each the bride and the groom. For instance, US citizens marrying in Italy require a Nulla Osta (affidavit sworn in front of the US consulate in Italy), plus an Atto Notorio (sworn in front of the Italian consulate in the US or at a court in Italy), and legalization of the above. Some countries instead have agreements and the couple can get their No Impediment forms from their local registrar and have it translated by the consulate in the country of the wedding. A local wedding planner can take care of the different procedures. In the United States certified mortgage planner is a designation for the purpose of establishing a new professional category in the mortgage sector: one that arose as a response to criticisms of the mortgage banking industry. The term "mortgage planner" has been adopted as a generic niche term for mortgage originators who choose to assist borrowers on a more personal level by incorporating the mortgage decision with a borrowers short and long-term financial objectives. The term "certified mortgage planner" is an effort to validate through education and subsequent certification a mortgage originator that has had specific training for the purpose of incorporating the mortgage decision with a Borrowers short and long-term financial objectives. The Certified Financial Planner (CFP) designation is a professional certification mark for financial planners conferred by the Certified Financial Planner Board of Standards (CFP Board) in the United States, and by 25 other organizations affiliated with Financial Planning Standards Board (FPSB), the international owner of the CFP mark outside of the United States. To receive authorization to use the designation, the candidate must meet education, examination, experience and ethics requirements, and pay an ongoing certification fee. The information relates specifically to CFP certification in the United States. A professional transportation planner is a professional engaged in the practice of transportation planning.