Retirement looks different now than it did ten years ago. Healthcare costs are rising. Market conditions change quickly. Many people are supporting both children and aging parents while trying to save for their own future. A basic savings account is no longer enough for long-term financial security. That’s one reason more families are starting to hire a financial advisor earlier instead of waiting until retirement is close. A good financial plan is not only about investments. It’s about preparing for income, taxes, emergencies, inflation, insurance, and the lifestyle you want years from now. Retirement Planning Is More Than Saving Money Many people assume retirement planning means putting money into a 401(k) or IRA and leaving it there for decades. The reality is more complicated. A retirement plan should answer questions like: Will your savings last through retirement? How much monthly income will you need? When should you claim Social Security? How will taxe...