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6 Things I Keep Seeing Again and Again

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After almost 20 years in the wealth management industry working with different types of clients, whether business owners or successful professionals, certain patterns repeat themselves—regardless of how much (or little) wealth someone has or how sophisticated their financial setup looks on paper.

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1. Few People Have a Will—And Even Fewer Have Informed Their Families About It

It’s astonishing how often estate planning is either postponed or neglected entirely. This crucial task, often seen as a task for“later,” is a final expression of intent. Without it, families are left with confusion and, often, conflict. It's not just about legal formalities, but about ensuring your loved ones are taken care of as per your wishes.

2. Money Is the Silent Tension in Many Relationships

Whether between spouses, siblings, or business partners, money can be a source of stress, miscommunication, and even estrangement. I’ve seen long-standing relationships unravel over inheritance, control, or differing financial values. Money doesn’t create these problems—it reveals and magnifies them.

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3. The Time Value of Money Is Underestimated, Forgotten or Not Understood

Compounding is often explained, rarely understood, and seldom internalized. Too many people delay investing or decision-making, not realizing how costly procrastination can be. Time can be one of the only free lunches in life, the most powerful force in wealth creation—and the most overlooked.

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4. Solutions Don’t Always Need to Be Complex

There’s a tendency to equate complexity with sophistication. But the best financial solutions are often simple, transparent, and well-aligned with a person’s real needs. A clear structure and consistent strategy usually outperform intricate setups that nobody really understands.

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5. Money Is Only Money

Money is a means, not an end. Yet we often treat it as the goal itself. True wealth is about what money enables—freedom, security, experiences, impact—not the money itself. What are you planning on doing with your wealth?

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6. Nobody Really Knows Why They Want X% Return

When I used to ask someone why they wanted a 7%, 10%, or 15% return on their portfolio, they often gave me a long and vague answer. Few investors connect their desired returns to real-life goals and dreams. Numbers become targets without meaning. Financial planning without purpose can become costly.

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If any of these topics sparked a desire to explore further, I would be delighted to have a conversation with you. My mission is to ensure that your wealth serves you - not the other way around.

Until next time,

Eva

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