A financial plan isn't just about investing. It's about answering the questions that keep you up at night. Over the years, my clients have taught me something valuable: income doesn't guarantee financial security. I've worked with everyone - across ages, professions, and life stages—but when I look past the surface, most fall into one of three patterns: The Sidelined Saver: High income, high savings, but the investments aren't keeping pace. Money sits in bank accounts and fix
