It’s commonly said that the best time to plant a tree was 20 years ago, but the second best time is now. The idea is not exclusive to horticulture. When managing your finances, planning for what’s ahead is critical, especially so in times of market turbulence like that created by the coronavirus. Creating and sticking to a plan will put you in the best position to accomplish your long-term goals, said Kim Bridges, BOK Financial’s Senior Vice President and Director of Financial Planning.