What Is a Financial Plan?

"Plans are the easy part of it. It's the planning putting things together afterwards," he says. "Most people don't want to think about this stuff, and because the people get annual statements every year, annually." The value can be in sort of establishing the current position - for many people that's super valuable. And then we need to talk about goals... But most don't have any clarity. I mean, it's hard to be clear about goals as well. Most people just kind of drift".