Most people think of their financial lives in segments: 

There’s retirement, insurance, student loans, houses, estate planning and more.

Reality: All these things are connected. Our financial lives are a battleground of competing demands, with a broad array of expenses and goals laying claim to our limited income and assets. 

To make smart decisions about our money, including how much to save, what portfolio to hold, what goals to pursue, what insurance to buy and how much debt is prudent – we need to look at our overall financial picture.