Life is a series of choices. Throughout your lifetime, you will make many isolated financial decisions about many areas of finance. In reality, the conditions that impact your financial position can shift abruptly and have a dramatic impact on many or all of the other areas of your life.

Evaluated on their own merits, those individual choices can appear to make good sense. But when viewed as part of a whole, the incongruities become apparent. Disconnected solutions often contradict each other and end up inhibiting the greater good of the whole.

Not only are these decisions often not properly coordinated, but the rational for these decisions is typically not based upon a financial model and strategy, but rather an endless flood of financial misinformation found in the media, financial institution publications and the do-it-yourself “how-to” books. In many cases, this “misinformation” is passed on from one generation to another with no true empirical basis or logic, yet it is accepted as “truth” due to its prevalence and repetitiveness.