TOMORROW'S LIFESTYLE Financial Planning focuses on a few areas that have to do with your decisions today that affect your lifestyle tomorrow/retirement. By defining our spending with TODAY'S LIFESTYLE, we have a good idea of our spending in retirement and we can account for inflation as well. Without knowing how much you are spending, you cannot figure out how much you need to save. After we collect all the information needed to create a financial plan (spending, goals, assets), then we create scenarios called financial pitfalls. These financial pitfalls test your custom plan against the following: big bear markets, two small bear markets, inflation, premature deaths, long term care costs and living too long. After we test for these financial pitfalls, we can set up customized scenarios like retiring early or what it would look like if we added to our retirement goals.