Daniel J. Stefanski, EA

People have no clue what to expect from financial planners Here is every formalized meeting that takes place in our process

Too many people “take money off the table” without a plan Just because it feels safe It may feel good in the moment to sell at market highs Here's a better approach *Taking specific financial action for specific financial needs* Moving money just for the sake of it rarely supports a long-term financial plan When there is a defined purpose The plan should follow suit Don’t sell simply off vibes

That's it! Note these answers at times lack nuance, and can may require more information depending on the situation

7.) “What are the wealthy clients doing?” They actually don’t have a secret playbook They: • Own small businesses • Live below their means • Have a long-term orientation • Invest in their own human capital • Ask for advice/help in areas they lack expertise The “wealthy” become excellent at doing the ordinary things an extraordinary number of times.

Most people leave money on the table Not because they lack income But because they lack answers to key financial questions Here are 7 that come up repeatedly as a planner:

Retirement changes more than your calendar For most it's a lifestyle shift Both financially and emotionally Your “paycheck” Now comes from a portfolio Not an employer → A once steady routine may change overnight → You may have been more connected to your team than you had thought →Your social network could've been based around your work Then suddenly you no longer have that This is in part why so many people who financially can retire, simply don’t For those worrying about this significant transition We usually have some advice You can’t just retire, you need something to retire “to” This does not mean you have to pick up part-time work in retirement to be happy