Withdrawal sequencing, Social Security timing, and what planning software gets wrong.
Planning
The break-even framing invites the wrong question entirely.
Planning
It returns a percentage and the client nods. They were asking something harder.
Planning
Most firms use a rule of thumb, and it is wrong often enough to check every time.
Planning
It arrives once, lasts a few years, and closes quietly.
Planning
Retire at sixty-two, Medicare at sixty-five. Rarely modeled, often decisive.
Planning
Clients who give regularly usually give inefficiently.
Planning
Almost every meaningful decision closes before the transaction does.
Planning
The first-year deferral almost nobody should take, the aggregation rule where errors happen, the three that get missed, and where the planning actually is.
Questions? Ask them directly — that is what the twenty minutes is for.