Regardless of how successful you are, there is a piece of financial planning you owe to someone. That’s why at Rubach Wealth, we work with our clients to develop a financial plan and talk about how insurance can support or enhance their plan. Having said that, as much as I love insurance, should insurance be a part of people’s financial plan? Maybe, or maybe not. I just want everyone to remember this: you are not actually the client. Your spouse is, or your children are, or your foundation is, or your favourite causes are.The one aspect I love about working at Rubach Wealth is seeing the relief the client feels once their plan has been built, and all of their “boxes” have been checked off. You can only get there by digging deeper, by asking the qualitative questions that get to the root of a client’s unique situation. That’s why I especially identify with this element of our Manifesto: We want to understand the entire problem.