El artículo se deriva de una investigación que soporta una tesis de maestría en ingeniería administrativa durante 2015. El artículo se trabajó en el centro de investigación y consultoría organizacional CINCO de la Facultad de Minas de la Universidad Nacional de Colombia Sede Medellín, entidad que con recursos propios financió la investigación. AbstractPersonal financial planning is a set of activities required for defining objectives, setting action plans, and satisfying financial needs of individuals. Different authors represent the personal financial planning process through models, indicating disadvantages to apply them in the Colombian environment since they have been created in developed countries; they suppose the existence of a financial planning industry and there are no academic studies which adapt them to meet the inherent needs of the environment. In order to solve such disadvantages, this research proposes the definition of a unifying personal financial planning model which embraces different elements that are identified from studied models, applicable in the Colombian environment.