As I do taxes for my clients this coming tax season, one of the things I want to make sure of is that they have a safe overall financial plan. That doesn't simply mean getting the highest possible tax return.

I could easily tell them to make sure they get the most tax exempt income possible. Make sure they account for all the losses they have in any business or real estate. Charitable giving works out for everyone. Contribute as much as possible to their employer sponsored retirement plan along with an individual retirement account.

What I also want it to include means having enough life insurance for the client as well as the children. It means having enough saved for a rainy day. It means making sure that college planning for the children is being taken care of. It means making sure clients have enough income for their retirement. Also, are parents teaching children how to save?

These are just some of the many areas that may need to be addressed. However, I plan to work with each client to see what goals and plans they have and how to use tax season to meet those goals.

Because of child credits and a host of other adjustments, credits and payments, clients are likely to receive large tax refunds. I'd hate to see them spend that money on things that don't add to the freedom, security, stability and safety of the family.

Bottom line, if clients can stick to the plans we design, tax season can offer some great opportunities for freedom, security and stability in their family's financial life.