Goals shift over time, sometimes subtly and sometimes all at once. The retirement you pictured 10 years ago might look different now. Your travel dreams may have taken a back seat to caring for loved ones. Or maybe your priorities have expanded to include charitable giving, education funding for grandchildren or leaving a lasting legacy.
Sometimes it’s the small stressors — a sudden repair, a career pivot, a family event — that reveal the pressure points in your financial plan. Sometimes, it’s something bigger. But the takeaway is the same: a resilient plan isn’t built on forecasts; it’s built on flexibility and clarity.