Planning makes you immortal. It ensures the next generation will be just fine. This is something you may not learn or even understand until your 60s or 70s. If you're lucky, you come to hold a baby with dreams for the best things that could happen in the future.

In that moment, when you are feeling so blessed and generous, plan to make the next generation better. Think about how you can imbue the values you hold dear in them.

Being a financial planner means being part of such special moments in people's lives. That is what makes this profession meaningful and it is a privilege to advise individuals on these matters. While being a financial planner requires cold-hearted math, the reward of being a real financial professional is in helping clients imbue their values in the next generation, by funding a religious school, a class in biology, or a tutor in reading for a child in your family.

If you are blessed to be able to help the next generation achieve work you have left undone, then planning is immortality and it is a privilege that is not taken lightly.