Summing up the past 18 years of my career as a client-facing advisor…

Me: What brought you here today?

Client: I do not want to wake up dead tomorrow and leave my family financially destitute. Same for disability. I don’t want my children to still have student loans when they’re 50 years old. I don’t want to run out of money in retirement and die penniless…dependent on my children or the state. I do not want to wipe out everything I’ve managed to accumulate and become a burden to my kids if I must go into a nursing home for any extended period of time. And if, by chance, I am able to leave a legacy of substance to those I love and causes I believe in, I would prefer that half of it not be taxed away.

Can you help?

Me: Yes.


[Author’s Note: This post first appeared on April 17, 2020]