Help Clients Confront Morbid Life Truths to Protect Their Assets

There are two types of clients: those who plan ahead and those who don’t. Those who do, usually save first and then spend what’s left over and those who don’t usually spend first and then save what’s left over.

If you save first, there will always be something left over to spend but if you spend first there may never be anything left over to save. Having been in practice as an independent CFP for the last 35 years, I can attest that clients who have done wise planning, saving, and investing for their future retirement are far happier than ...