b'We all make tradeoffs between retirement age, spending goals and savings capacity. Your goals and circumstances may change, and this plan helps you keep making wise decisions in real time.And sometimes, people just have a shift in their priorities. If we spend $1,000 less each month, could I retire three years earlier? At this point, time is more important than maximizing spending. Im going to retire.Having an ongoing process to adapt to life (and market)changes over time is what helps clients succeed in the long run.As President Dwight Eisenhower said, Plans are useless, but planning is essential. In other words, a static plan that doesnt anticipate changing circumstances is not a useful tool. Which is why we recommend reviewing the plan within12 months as life changes.There are a lot of things that factor into your future.Rather & Kittrell is here to offer guidance and professional advice to prepare you for the future of your dreams.Jay Slagle and his father, Frank Slagle, at Neyland Stadium.What Am I Overlooking?Every advisor in our industry manages their clients investments. Some do better than others, but only 6 percent of advisory groups help their clients execute on advanced planning items beyond the investments. Here are just a few of the big-picture items that we help clients consider.CASH FLOWWe address how to replace paychecks in retirement andINSURANCEWealth protection often starts with an insurance audit to when to take Social Security. Planning for taxes and required minimumdetermine any gaps in coverage. This could involve life, disability, long-term distributions are important, as these factors change throughout life.care, homeowners, auto, umbrella and other policies. ESTATE PLANNINGAs families change, wills, trusts, financial andPHILANTHROPYCharitable giving is an ongoing opportunity to help health care powers of attorney, and advanced health care directives allclients mitigate taxes and maximize their impact on nonprofits that are need to be reviewed. These planning documents should also be reviewed,important to them.updated and summarized when legal and tax changes occur.'