Final answer:
Career development is not one of the six elements that shape a financial plan. Elements of a financial plan usually encompass issues directly related to managing finances such as budgeting, saving, and investing.
Step-by-step explanation:
The element that is NOT one of the six elements that shape a financial plan is D) Career development. The core elements typically include budgeting (income and expenses), saving, investing (investment strategy), managing credit, insurance for risk management, and estate planning. Career development, while important for personal growth and income generation, is not typically categorized as a direct element of a financial plan.