Four Times You Need a Second Opinion on Your Financial Plan

An adviser works with two clients at a conference room table in his office.

A financial plan should be just that: a step-by-step guide to what you need to do to reach your goals with your money.

The irony is that financial plans go stale almost immediately. Goals shift. Assumptions change. Life is constantly moving. Two years ago, I would have told you my family of four was complete. Today, we are a family of five.