Most financial conversations about children revolve around college. But if there's only $100-$200 a month available, is age 18 really the most important problem to solve? A conversation about grandkids, Florida Prepaid, and long-term planning sent me down a rabbit hole I couldn't stop thinking about.

Most people think they are diversified because they own multiple accounts. True diversification looks at how assets behave under different conditions and whether your strategy includes tools designed for both growth and stability.

Most people don’t end up with bad financial plans because they were careless — they end up there because they followed advice that used to work. Here’s why smart decisions can still lead to incomplete results.