The financial industry has made a killing compartmentalizing various financial objectives into individual silos, each of which is purportedly addressed by unique, financially engineered products. This article explains why this is a case of treating symptoms, rather than the underlying disease.

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A different kind of capitol. Photo by Michael on Unsplash

Everyone knows on some level that as they mature, generate income, and think beyond the immediate present, that conventional wisdom instructs us to develop a financial plan.

Perhaps one of the reasons that this generates a feeling of discomfort or undue pressure is that the industry does not explicitly define what a “financial plan” means. …


Ryan Griggs

CEO, Griggs Capital Strategies. “Banks lend money that does not exist, and that is evil.” — R. Nelson Nash

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