Podcast Episode 42: Avoiding the Family Feud | Part 1

This week we welcome a very special guest, and long-time friend of WLWP. Brent Vandermeer is a Portfolio Manager at Crosspoint Financial | iA Private Wealth in Ottawa. Colin & Brent are doing a deep dive into the subject of estate planning. In Part 1, we’re talking about intergenerational wealth transfer…and we’re still going to be talking about it in Part 2, next week. There’s a lot to cover!

Episode Transcript

BARENAKED MONEY PODCAST: EPISODE 42

Avoiding The Family Feud | Part 1

Announcer:
You’re about to get lucky with the Barenaked Money podcast. The show that gives you the naked truth about personal finance with your hosts, Josh Sheluk and Colin White, portfolio managers with WLWP Wealth Planners, iA Private Wealth.

Colin White:
Welcome to the next episode of Barenaked Money. I’m Colin, one of the regulars and I am tickled pink to be joined by a peer, a friend, a compatriot, Brent Vandermeer. He’s another portfolio manager in the iA group of companies. So Brent, welcome.

Brent Vandermeer:
Hey Colin. Really good to be here with you. I think this is the first time we’re doing this and it’s a long time coming, and really happy to join you.

Colin White:
Well, we should disclose that we do have a history. We do. When was it? 2015 or 2016 that we engaged in armed battle on the stage of a national conference, debating active versus passive money management? Do you remember what year that was?

Brent Vandermeer:
It’s a long time ago, but I think that’s got to be about it. It’s sort of a blur because we’ve had a lot of interaction since then. A lot of fun stuff. I do recall winning that debate Colin, so we’ll see what happens here.

Colin White:
I recall winning it as well. So I guess it’s lost in the sand

Brent Vandermeer:
I knew you’d say that.

Colin White:
Well, listen, we’re going to have a conversation today about intergenerational wealth transfer. That’s a lot of big, expensive words to talk about. Giving money to the kids, I guess, is largely what it means. And so we’re going to talk about some strategies, we’re going to talk about some anecdotes, we’re going to talk about some limitations, and with the objective of giving you some things to think about. So that when you do sit down with your professional advisors, be it lawyer or financial advisor, that you’ve had a chance to think about a few things and maybe go into that conversation a little bit armed.

Colin White:
And just to be clear, this should not be construed as advice. This is for recreational purposes only. We’re just trying to give you some things to help you organize your own thoughts and maybe point out some stuff to you to help inform your con conversations with whoever you’re engaging with and putting these kinds of plans together. So Brett, where do you want to start with this? Do you want to. Which end of the pool are we going to jump into?

Brent Vandermeer:
Well, maybe it’s good to say first that most people don’t want to talk about this stuff, right? So I don’t know what you find in your practice, but I know in mine its kind of like going to dentist or… I’m sorry to all of our dentist clients when I use that line. I don’t particularly mind going to the dentist, but many people do not like it. Yes, they want to talk about how much money they made last year and all the exciting things they’re doing with it, the travel, the new business they’re starting. I guess in a way it’s because we’re talking about what happens when you’re not here. And no one really likes to face that truth, but it will eventually come.

Brent Vandermeer:
All of us have an end of our road, an end of our runway, right. And I think to be really good and advisors, it’s important to say, “Hey, this is a topic that we should talk about, that you should talk about.” And I think people also when they do, generally have a really good feeling afterwards that they’ve engaged, they’ve done some things to plan ahead and to help those that they love.

Brent Vandermeer:
So it’s one of those things that you just kind of have to dig into and start talking about. So maybe that’s the first place to start. If people haven’t actually dealt with it, talk to your advisor, your planning team, your accountants, your lawyers, get them around the table and start to figure out what might happen when you’re not here. This is just a topic that’s maybe not the most fun topic. Now, if you have a way to make it fun, this is going to be a great session. That’s good.

Colin White:
Well, what I would say to that is in the second part and the inescapable part is we’re talking about families and money. Now, to be honest with you, that’s what really drew me out of accounting into this field because I’m considered to be pretty good at math, but the old human equation that goes along with this and the range of things I’ve had people say to me is quite amazing. And this part of what I say when I’m talking to the client is, the big thing a good advisor could bring to the table is some perspective, because we’ve talked to people who are older than you are, we’ve talked to people who are younger than you are, we’ve watched plans unfold over time. And sometimes that can lead to some really good insight to help maybe shine a flashlight in a corner you hadn’t considered before.

Colin White:
So I would agree wholeheartedly with you Brett, that it’s not a great conversation because families don’t like talking about money. And it’s because mom always liked one kid more than the other or dad didn’t go to my soccer game, or there was that family picnic that time, and there’s always a really important reason. Families do struggle to talk about money, but the upside of having a conversation is it can be pretty big. And having that in front of an advisor with some experience, maybe it’s not as paying as you think it is. I don’t know about you, I’ve had a situation where clients come in and they’re really fraught.

Colin White:
They’re just absolutely beside themselves over a particular issue, and it takes me about 20 seconds to offer an alternative to them that they just hadn’t considered because they had put the blinders on. So sometimes we can give a whole a bunch of relief in a big hurry. Does that bring any stories to your mind, Brent, as far as some of the low hanging fruit that we sometimes encounter when we’re starting these conversations with families?

Brent Vandermeer:
Yeah, it sure does. I mean, it probably takes me more than 20 seconds. I’m a little younger than you, but we get there, right? Well, speaking of younger actually, I guess if I back up a second. Well, I was never an accountant like you are. I started in this business when I was 19 years old and was all hot to trot on. I’m going to be the next best stock picker and I’ll analyze discounted cash flow models. And I still love that stuff to this day. It’s the numbers, right? But I never thought I’d stay in this industry. I never thought I’d have a practice that worked with clients.

Brent Vandermeer:
I was going to become an analyst at a bank or an accounting firm. And then when I sat in front of people, I was given the opportunity to do that, I thought, my goodness, this is really what matters, right? You get to take all of that theoretical head knowledge and bring it down to, what am I actually going to do? And you realize that a lot of people had a lot of issues around money. Money itself wasn’t necessarily the issue, it was all these other stuff that we talked about it, like a conflict in a family, or even just absent of conflict. It was just, how do I pass this on to my kids or a charity or whatever is important to them in a way that is beneficial to them. What does that mean? What does that look like? How do I efficiently pass money on and actually be a help to people?

Brent Vandermeer:
And it can be for a small amount of money that someone’s accumulated or lots and lots and lots of money where the complexity and the challenges just grows as well. And that puzzle, and I know you’re a puzzle person too, that just attracted me to this business where you thought, I get to do a puzzle every time and the pieces are always different. And they’re changing too, as the economy changes, interest rates change, and tax law and legal law changes as far as the states are concerned. And that was super fun sounding. And so 25 years later, I don’t know how many years you’re in, but I’ve never done anything else since because I just absolutely love this kind of work.

Colin White:
All right. So let’s walk through, because again, we’re going to speak to the range of people that are out there. And I’ve got clients and I deal with people who they want to be buried face down so the world can kiss their tutti. They really couldn’t care less what’s left behind or how it’s left behind. And they’re probably not still listening or they probably didn’t click on this podcast. But if they’re in your world, if they’re in your orbit, then you’re going to be left cleaning up the mess and you could a vested interest to get the bare minimum done. And again, because of the amount of time in and the number of people we deal with, we have a lot of estates that we’re currently working with getting settled and some of them are not very well documented at all.

Colin White:
It costs time. It can tie time up for years. And I’m not talking… Even if your kids are well off and they don’t need the money, they’re going to be wrapped up in legal proceedings potentially for months and or years to get things cleaned up. So you’re going to cost some time and aggravation, and tarnish your otherwise good work that you did in life. The complications of not taking any effort towards straightening things up. Yeah. If you got that person in your orbit, try to explain to them, it’s not necessarily about them, it’s just about not leaving a mess.

Colin White:
And a basic will is a good place to start. And it doesn’t necessarily have to be complicated, but just set out, who’s got the right and the obligation and just the basic things, because again, if you’re not properly documented, step one is, the court is going to have to decide, well, who are we going to point as executor? Before that happens, literally nothing can happen in the estate. Courts are all backed up and all this other kind of stuff. To those who are those people still listing, don’t be selfish. Listen, do the basic. [crosstalk 00:09:51].

Brent Vandermeer:
Don’t be selfish. Yeah.

Colin White:
And to the people around them, call them selfish. It’s worth it. You’re going to thank you selfish for taking a stand here and trying to get them to do the basics. I don’t know if you have many of those people in your orbit, Brent, that you’re constantly trying to get just to take those initial steps. How do you motivate those people? How do you put it to them?

Brent Vandermeer:
Well, I think whether you just said it… I mean, I guess the stats, I’m not sure exactly. You might know where it lies, but is it still somewhere around 50% or so people still don’t have a will? Is that still the stats?

Colin White:
I’ve seen that figure and I’ve seen another figure that’s 30% or only 20% of those wills are up to date. The other thing I’ve heard. And there can be things, like Ontario just changed this rule, but I mean it. There are certain acts, marriage or divorce can invalidate a will. Ontario has just changed the rules around that recently.

Brent Vandermeer:
We are progressive here for sure.

Colin White:
Yes. Way more than the rest of the backward provinces all across Canada, Mr. Center of the world.

Brent Vandermeer:
No, that’s important, right? Those changes that previous to this, or if you’re not in on Ontario and as your life changes, separation, divorce, remarriage right after that, all these things can cause significant issues to those documents. For us, I think our subsector of clients, our subset of people out there is probably a little different Colin, that we have… Our clients are generally a little bit more prepared or having thought about this stuff and done a little more, but still, I’m still surprised the number of times in our review meetings where we ask the question again, the person goes, “No, I haven’t done that yet.” And we go, okay.

Brent Vandermeer:
So one of the things that we’ve tried to do is say, “Listen, I know the typical reason for not having it done.” And it’s not because they don’t care. I mean, I haven’t met too many people who don’t care about that. They do. We’re probably not the best advisory relationship with them, but that said, it’s more just the barriers. People are busy, right. And it’s like, “I’m going to get to that.” And they just don’t do it.

Brent Vandermeer:
So one of the things we’ve tried to do is say, “We found a really great lawyer who…” If they don’t have a preexisting relationship with someone, maybe there is a lawyer that will come to your offices. They’ll come to our offices at Crosspoint or WLWP offices, and just sort of lower that barrier of to have to set up another appointment, go downtown, high rise tower, all this stuff, sit with the stuffy lawyer who’s going to ask about… So if we can make it easier and a little bit more simple to get those conversations done, we should.

Brent Vandermeer:
Now, we’re not lawyers, we don’t offer legal advice, but there are some planning questions you can have worked through with your advisor. And we have some pretty detailed questionnaires that I’m sure you do too, both from, what do I need to have fought through to draft a will? People with young kids, who are the guardians going to be? Who is the trustee going to be? Those are probably the biggest questions when you have young kids. And that changes a lot too over time. And different questions for different phases of life. So having those kind of coaching questions figured out first before you go sit in front of the lawyer is a good thing, both to save costs, but also have to have thought through some of those, right?

Colin White:
Well, yeah. I mean, again, I’m a bit more old school than you are because I’ve been in the industry a whole five years longer than you, but we’re a little bit more from the suck it up buttercup way of approaching things. If it’s just making time for it, I’m just going to flat out tell you, make time for it. Because again, it’s important and you’re going to cost those around you an exponential amount of more time if you don’t get to this, and you’re going to cost yourself tax and all the rest of it.

Colin White:
The other thing I will say is that the COVID situation in the last couple years has made remote meetings far more accessible and far more comfortable for everybody. So, hey, there’s another way to get around it from a convenience standpoint for sure. But the one that I have a harder time with, and this happens more often than I think that you would think if you weren’t talking to the general population is, I don’t know. Who do you want to be your executor? I don’t have anybody that I want to be an executor because of… And there’s always good with reasons and quite honestly some people… Yeah, you’re right. The people you’ve just named. And sometimes it can be as simple as, well I want my son to be the executor, but he lives in the United States.

Brent Vandermeer:
Right. Yeah.

Colin White:
Having somebody who’s not in the country act as executor is very problematic.

Brent Vandermeer:
And most don’t know that, right?

Colin White:
Well, exactly. And this other one, if you have one of your children as your executor and they move to the states at some point, and then they’re going to come back and try to be an executor. You got to post a bond and it can get out of hand in a hurry. So some of these are complicated questions and frankly, clients go down the road and I don’t have a good answer here. One thing for executor specific, there’re other barriers as well, but from an executive specific standpoint, you can always consider appointing a trust company as a professional trustee, or you can appoint a trustee within your will, but then coach them to say… Because even after you’ve been pointed an executor, you can walk down the street, hire an estate service to act as an executor.

Colin White:
You can basically pass on the responsibility at that time to another institution of your choosing that you can still work with, right. So there are professional trustees that you can retain. And you can put that right in your will or you can appoint somebody who you know doesn’t have the skillset, and have a conversation with them. It’s like, “Dude, seriously, I don’t think you’re up to it, but I’m going to appoint you as the executor, and I want you to go find an estate service to help you go through this process. And I’ve provided for that in the will, and I’ve stipulated it. The money’s there to pay for it and all that kind of stuff.”

Colin White:
So either appointing that a professional executor, and some major institutions do it, some law firms will do it. There’s some specialty firms that do it. And it really depends on what you’re looking for. But I’m hogging the air right now. And I’m just going to follow this all the way through with, we did have a situation, this is something to be aware of. And for every strategy I point out, I’ll point out a potential weakness as I’ve seen those things go wrong. There was a tragic situation where we had a client who passed two years after they had gone to this exercise and appointed a major institution to be the executor.

Colin White:
And upon her passing, the two children who would not speak to each other, who had no relationship whatsoever, were turned to the institution to act in this role. And the institution said, “We’ve decided to not do it.” And basically walked away and left it. And then you’ve got a fractured family having to hire individual lawyers and go to the courts and it turned into a whole thing. So make sure you think it all the way through, and maybe try to anticipate some of the ways that… You want a guarantee, buy a toaster. There’re bumps in the road for different ways and it’s something to be a little bit careful. crosstalk 00:17:14].

Brent Vandermeer:
That’s a great policy.

Colin White:
Have you guys used any of the independent services, Brent?

Brent Vandermeer:
We do. Yeah, we do. We’ve had a number where they buy their selective, one of the larger trust companies. And getting a clear sense of the cost of that, it’s really important because I’ve had some people, the other side of that coin is, that’s what they’ve said, “That’ll be simple. That’d be great. They’ll just do it.” And I asked them, “What do you think that’ll cost?” And they thought, “$5,000, I’m sure.” I said, “Well, actually it’s a percentage of the value of the estate, and do you realize it’s going to be this.” And that may be worth it. I’m not passing judgment on whether one is comfortable with that. You may need to do that.

Brent Vandermeer:
It’s just part of the process, right. But they went, “My goodness. No, I got it. This person could do it.” And said, “Well, okay.” So the key is to have thought through it and explored, what really is the job? And do I have people who are qualified and able to? And what are the costs and both for someone who… I’m always a big fan of writing in the provision for, even if it’s a personal friend or family member who’s going to be the executor. You let them be clearly document that you want them to be paid for their time.

Brent Vandermeer:
Personally, that’s just my value. I think a lot of people when they’re in that role later on think, “No, I can’t. I couldn’t possibly take money from aunt so and so, or mom and dad.” And it’s just going to take it from the kids, but my goodness, talk to someone who’s been an executor and realize how much work and time, like you said earlier, that it really is. It’s enormous. Basically it monopolizes at least a year, if not more, of someone’s life. And I think the person who has passed would really probably most of the time wanted to have said, “Your time’s valuable. You’re doing something that’s valuable for the others. You should take a reasonable amount of compensation for that as well.”

Colin White:
I’ve only met one person in my entire life who was an executor who agreed to be an executor a second time.

Brent Vandermeer:
Please, no.

Colin White:
After that I’ve heard people flat out say, “No, I’ll never do that again. Absolutely cannot. Probably not.” Because again, it’s not only the time aspect, you actually are taking possession of the estate to a point, and now you’re going to start to make decisions. And I was like, “Well, should I leave that account invested or to go to cash?” And no matter what you do, you’re open to scrutiny by the other heirs. So you can put yourself in the position of taking financial risk.

Colin White:
And if not, you’re going to have the stress of thinking you’re taking on financial risk. Don’t enter into that lightly. And it’s so easy when we’re dealing with all the emotions, and this is where I have trouble identifying. There’s all this emotion around somebody passing and, “My God, I’ll do anything for you. Don’t worry about it. I’ll look after the estate. It’s not a big deal. I got you.” And six months later it’s like, “Holy cow. I can’t believe I’m still dealing with this.” So the reality of it, absolutely, I think it’s good for everybody involved, and you make a good point.

Colin White:
It’s good for everybody involved that if it’s properly laid out in the will that you expect whoever acts in this behalf will be paid for their time. And there’re some standards. And I’m trying to remember, I think it can be up to between three and 5% of the value of the estate, is kind of the range that if you’re going to a professional executive service that they’re going to charge. Is that still current?

Brent Vandermeer:
That’s what I would recall too. Again, I’m not an expert on that, but that’s what we’ve seen with the larger trust companies. And there’s also… You don’t have to necessarily go to the larger ones as well. I mean, a couple of the lawyers that we work with actually have a trust service that they act on that regard too. And then you maybe are kind of getting the best of both worlds that you’ve got a smaller shock that might know you more. Sort of like us and our boutique type of wealth management firms, you’re not just a number and another file, but you know right through your plans. And there might be some benefit with that at as well. Not that that person’s going to be around forever either.

Brent Vandermeer:
So I think the key is a lot of this stuff, the planning that goes into place here. It’s a dynamic thing. It isn’t a set it, forget it kind of approach. That you are part of the reviews on a regular basis. That doesn’t have to be every single year necessarily, but has any material change occurred or any… Sort of at least every three to five years, it should be opened up and said, is that still the right way to do this? And are the people that I’m passing money onto, are their relationships still solid? Are there any other things that I have to be aware of here?

Brent Vandermeer:
I’m sure you’ve seen it many times too Colin, where the siblings seem to be good on the surface and they see each other up at Thanksgiving and Christmas and the holidays, but then when money comes into the picture, and it brings up… I’ve heard some wild stories of like, “I remember when Bobby stole my doll and I think he’s doing the same thing.” I exaggerated a little bit here, but you get that. These trust issues of, “I think Bobby’s always stealing, he got the cookies first, he got two cookies, I got one.” And those things still kind of play out in our elder years where essentially what we’re talking about is the trust level, is maybe not as high as even mom or dad thought or even between the siblings.

Brent Vandermeer:
And so even the person acting as the executor has to be aware of some of those conflicts that you’re going to be questioned. Your siblings who love you are going to say, is he dragging his feet because he wants to either take out more money out from a fee point of view, or is he taking money? Is it fair that I’m getting my fair share here? I think we’ll get into some this in a little bit, but the communication, that human component is such a big part of the planning. And my personal preference is coaching people and saying that having those dialogues before you pass, having those conversations, are really important to try to minimize some of this stuff that’s going to happen later on.

Colin White:
Yeah. And some of the stuff that happens, and again, I’ve watched it happen over a dozen times. I’ve actually been in the room with this kind of thing going on where maybe one of the siblings still lived in the same town with mom and dad and looked after them and cared for them for an extended period of time. And when they finally passed, these other siblings show up with their handouts saying, “Okay, well where’s my half?” And the person who did all the caregiving said, “Well, I’m out of pocket and I couldn’t work full time. And the mom told me that I should get paid for my time.” Well, now there’s a difference of opinion. And I’ve watched families not talk over a dispute like that.

Colin White:
And again, you look at it and it’s kind of messy. And there’s the, “Hey, the family business went to one son. Did my other son get enough or did my daughter get enough?” And the son who got the business doesn’t appreciate what he got. And these things change over time, because again, what can make sense in the moment when a decision is made, then things happen. And we’re going to talk about some specific things Brent, but for me, it’s taught me to try to keep things as simple as possible.

Colin White:
The more complicated you make things, the more likely are you to run into something. You were just talking about two siblings who seem to get along. Forget the siblings, who did they marry? Matrimony or property rights. They lost their job. They’re in an industry where the mill just shut down, and they lost their job and they’re now bankrupt and creditors are coming after their assets. The family cottage should put in their name early to try to avoid putting it through the will later. Crap, now we’re in trouble.

Colin White:
Again, in the moment when you look and what you can see and everything can make perfect sense, but it doesn’t take too long for something that seems to be tangential to where you are shows up and goes, I’m here. So my bias on these things, and again, this is where you and I differ sometimes, I’m always a keep it simple, stupid. Keep it really simple because again, the complicated it gets the more fragile that the plan becomes and the more opportunity there is for something to seep in. But I will say that when things go wrong, it ends up on my desk, so maybe I’m scarred, maybe what I’m dealing with is a really tiny percentage. You should go ahead and be complicated. Most of the time it works out fine. So maybe my perspective isn’t as valuable in this regard.

Brent Vandermeer:
Well, I wouldn’t say it’s not valuable Colin. But it is tough, right? Because I’ve had lots of cases too where I’ve had people sitting in these chairs behind me that are saying, “No, everything’s great. It’s going to be fine. Let’s make the house joint ownership. We’ll avoid probate. Let’s do the cottage. Let’s make the investment accounts joint. Most lawyers that I talked to would say, “No, do not do that. Don’t over plan.” You’re the same way in that sense. Don’t over plan. Don’t try to be sneaky to avoid… In Ontario, one and a half to a little more probate, one and a half percent. It’s money, but it’s not going to change the world, but the conflicts that could come from that could change the what’s world significantly.

Brent Vandermeer:
Yeah, I definitely hear. You got to be very careful. The same time I don’t paint everything with one brushstroke and say, “Never do such things.” In some case says, and you have to be… I think communication is the biggest part, which doesn’t make it foolproof, but if people have sat here to me and said, “Absolutely, I do not see that coming.” And I’ve belabored the point of conflict and marriage breakdown, bank bankruptcy, you name it. Do you want your assets flowing down in the marriage breakdown? That’s not properly planned because your son doesn’t necessarily get a prenuptial agreement or your daughter doesn’t when the marriage breakdown occurs. Is that what you want? “No, that’s not what I want.”

Brent Vandermeer:
But in some cases, I think we’ve talked about adding beneficiaries on accounts or making joint accounts, I think one can be judicious and careful in some of those things, because most of the time in my experience it works out okay. But the key is to have the conversation and make sure that the person you’re working with really understands as much as possible all the things that could go wrong so they could properly access the decision and the planning choices that they’re making.

Colin White:
Yeah. And there’s a couple of landmines there to be careful of. Just because you put somebody joint on an account, you have to actually document to what purpose. Sometimes the courts are going to take a look at what was the reason. Did you just for simplicity’s sake want somebody else and decisions on this account, or is this in anticipation of inheritance? Is this a pre-inheritance? Even when you’re setting up joint ownership or you’re putting on beneficiaries, you should be very clear and document very clearly what the overall intent is, because those things can get a little murky as well. And the other thing that creates… [crosstalk 00:28:05].

Brent Vandermeer:
And the tax. Sorry to interrupt there, but the idea of documenting as a gift or a pre-gift, those things are not taxable, but the capital gains or the tax effect of making someone joint. I think a lot of people forget that as well, the disposition of their share of the assets. Not an issue on a principal residence, but on other assets like a cottage or investment account or other non-registered assets, that’s a significant issue that we need to have thought through rather than just, I read it on a blog somewhere or heard it on a podcast or something. That seems like a good idea.

Colin White:
Okay. This is another time to repeat our disclaimer. Don’t do anything we’re talking to about this is for entertainment purposes only.

Brent Vandermeer:
There you go.

Colin White:
But no, the other thing that creeps Brent, and I’ve run into this a few times already in the last 12 months, I’ve had this conversation with people is, things can happen. If you get to a point where you’ve diminished capacity and you’ve got of power of attorney acting on your behalf, powers of attorney do not have the power to change a beneficiary. So you kind of set a rock rolling down the hill, and at a certain point you may be still alive and the situation or landscape may have shifted and the rock’s going to keep rolling. There’s not really to my knowledge, without a whole lot of legal work, a way to change that or challenge that. But the other thing I’ll say is, how far back from the grave you’re trying to reach

Announcer:
Colin and Brent covered a lot of territory this week, but we’re going to cut it off there and leave you breathless with anticipation for the rest of the conversation next week. So come back and hear what else they have to say next time.

Announcer:
This information has been prepared by White Leblanc Wealth planners, who is a portfolio manager for iA Private wealth. Opinions expressed in this podcast are those of the portfolio manager only, and do not necessarily reflect those of iA Private Wealth Inc. IA Private Wealth Inc is a member of the Canadian investor protection fund and the investment industry regulatory organization of Canada. IA Private Wealth is a trademark and business name under which iA Private Wealth Inc operates.

Colin White:
We’ve noticed something, it seems there are a lot of people who would rather try to figure out their lives with an online calculator than air your finances to a human. Stop doing that. You need to talk to someone who can help direct you, tell you where to start with what you’ve got to make the biggest impact on your future. You can’t figure that out at doihaveenoughcash.com, but you can figure it out by chatting with us. Call us. It’ll be okay. You’ll see

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