 If you're not taking all of those things into account along with the money management piece, then you really don't have a financial plan. What you have is just a hope that your money's going to grow, and then you have no idea how you're going to have that income, how you're not going to outlive that, how you're going to pay for health care costs, how you're going to optimize Social Security. All those things have to go into the financial plan, or it's really not a financial plan done by a fiduciary who's looking out for your best interests.