Most people don’t realize they’re missing a financial roadmap until something breaks. In this episode, financial planner and estate planning attorney Gary Garland walks through what a real financial plan looks like — and why many families are operating without one. The conversation explores income planning, asset alignment, taxes, risk tolerance, and legacy, with candid examples of common missteps hiding in portfolios that look “fine” on paper. Gary also shares how emotional decisions, hidden overlap, and quiet tax inefficiencies can derail long‑term plans if no one is coordinating the full picture. This discussion reframes financial planning as an interconnected process — less about products, and more about intentional structure and decision‑making.

Click here to schedule your free conversation with Gary for a comprehensive review on tax reduction, investment optimization, and improvement or call 732-751-4677.

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