If you ask 10 people what a financial “plan” is, you’re likely to get 10 different answers. As a financial planner, my biggest issue with financial plans is that they aren’t actually plans. Plans say what you’re going to do. Most of the financial plans I see from other advisers are just projections to see whether you’ll have enough money.

Here’s a primer on the five necessary elements of a good retirement plan, along with some info on how to get them all in place.

1. Multiple destinations (aka goals)


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