What's your process around that and dealing with those potential scenarios?

This is such a huge problem, and we see this in our industry all the time.

Let's talk, even before we get to estate issues, let's talk about taxes, right? You've got a financial advisor, so-called, who actually is just an investment advisor, and that's all they're talking about.

You have a tax advisor, so-called, who's actually just a tax preparer who's looking back at last year.

And they are not communicating with each other unless the actual client is being the bridge.

You add in the estate issues, the estate attorney having those documents in place.

If these three professionals are not communicating clearly, there is no way that any kind of financial plan is going to be effective to any degree.

What do you do?

In your experience, what makes it especially hard for someone who's used to giving advice to sit on the other side of the desk and let someone advise them?

Actually, that's not very hard for me because I really value expertise and I know what I'm good at and I know what I'm not good at.

I spent most of last weekend installing flooring in my new house.

I am not good at installing flooring.

So I try to focus on the things that I'm good at and realize that there's other professionals that know better than I do.

But what's fascinating to me in my industry is I will have prospects come into my office and they'll say, you know what? I gave an advisor some of my portfolio and I just managed the other portfolio or portion of the portfolio myself.

And I do the analysis and almost every time the investor does better than the advisor.

If a lawyer listening to you today could do just one thing tomorrow morning before his first email, his first client call, the first fire to put out, what's a single move, Gary, that would start nudging their financial life towards real freedom rather than just bigger numbers?

So what is that and why do you believe it changes the way people should think about investing in financial planning?

Cashflow clock is something that we've developed at Stonebriar because we see those generic portfolios that look like a pie, right? And they divide it up.

They put different segments.

You got some bonds and some international and some small, mid and large cap.

And it's all together in kind of one pot that's diversified, quote unquote.

But it's static.

It doesn't really mean anything.

So what are some of the biggest financial blind spots you see successful people develop as they're building wealth?

What are some of the goals and dreams that you have?

The dreams that I have is to add value to my clients and really add value to the industry.

Like I said, I feel like our industry has gotten things backwards.

We start with products.

We start with allocations instead of starting with purpose and timing.

And that creates generalized and standardized portfolios that do not function properly.

for each individual client.

So what is fractional family office? What's that look like? And then what are some of the things that you've learned about wealth over the past, you know, maybe 10 years of your life that you didn't think about when you were younger?

So why is time alignment more important than headline returns?

Well, when most people think about growing their wealth, the first thing they think about, uh, it comes back to risk.

How much volatility can they tolerate to get as much growth of their wealth as possible? The problem is, in our industry, risk often gets treated like a feeling.

You get asked about how you would feel if you lost 13% in your portfolio.

Uh, and of course, nobody feels good about potentially losing money in their portfolio.

Then we... and based on these questionnaires, based on these feelings, investors get labeled conservative, moderate, aggressive.

Those are subjective terms.

But how should people evaluate performance after inflation, after taxes, after fees?