As a child, I was taught about the American dream. My parents coached me that to earn a good living I had to work hard, come in early, stay late and appreciate what I had. But I found out very quickly that having a good work ethic alone doesn’t always produce success.

Many of our clients are often similarly working with outdated rules. They are not able to see the big picture. As life events happen, they react without a coordinated plan to guide them. Between paying for college for their children, taking care of their parents, paying down debt and maybe even a divorce or surprise medical event, it’s no wonder that they’re falling behind.

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