As you climb the complexity mountain, the impact a financial planning can provide is substantial. When you are first starting out, your financial planning needs tend to be simple.
Do you think taxes will be higher in the future? Yes… Do you have most of your assets in pre-tax retirement plans? Yes…
The most dangerous quadrant of knowledge is that you don’t know what you don’t know.
I believe that a financial plan is an adventure map with clear next steps explaining how you get from where you are to where you want to go in an optimal way.