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The value of financial planning isn't stock picking. It's tax planning, behavioral coaching, and coordination.
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Most people don't have an investment problem. They have a tax problem they don't know about.
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The 4% rule isn't a rule. It's a starting point for a much more nuanced conversation.
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Technology won't replace financial advisors. But advisors who use technology will replace those who don't.
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If you're only managing investments, you're leaving 80% of the planning value on the table.