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These are reasonable questions. They are just not the right ones to start with.
Within minutes of a good first conversation, something shifts. The numbers become secondary.

Financial planning is often viewed as an individual exercise. A set of decisions focused on personal goals, retirement timelines or immediate responsibilities. In reality, it is rarely that contained.

Most people assume financial planning is about investments, returns and trying to get the numbers right. In reality, very few conversations start there. They start with questions about family, responsibility, future choices and the quiet concern of whether everything will be okay if life does not go exactly as expected.