The term money management is in use to refer to the process of managing money. This process may include a number of types of money sources, including investments. It may also be to refer to budgeting strategies, taxation, banking management and retirement account management. Generally used to represent consumers, management strategies for business investments may also be used. In a professional sense, financial planners and financial analysts often use money management strategies to help their clients to achieve their financial goals over a period. Adjustments often occur to the financial investments so that the long-term goals can occur. Many of these management personnel work in retirement planning, stock and bond investing or other similar financial markets.