Many portfolios we review contain unnecessary risk. Can you determine if your portfolio is exposed to unnecessary risk and if so, how to eliminate it? Are you confident that you know your true return on investment (ROI) over the last year? Over the last five years? How does it compare to the performance of other investments, such as the S&P500 Index? If any of the following were to occur, would your portfolio be protected from significant loss? Terrorist attack Depression Hyper inflation Stagflation (rising costs and interest rates with a weakening economy) Significant devaluation in the dollar If something were to happen to you, do your spouse and/or family members understand your entire financial picture well enough to carry on without you? Does your current portfolio contain "off the shelf" generic investments with hidden fess and conflicts of interest? Have you defined what financial freedom means to you? Have you written down your financial goals and objectives to achieve it? Are you exposed to paying significantly more taxes than necessary? Many changes have occurred that impact estate and tax planning. How long has it been since you updated your estate plan?