Keith Wolffong of Capstone Planning shares the story of how his family's financial planning practice started and discusses the importance of being a fiduciary. He emphasizes the need for a comprehensive financial plan that takes into account individual goals and removes financial guardrails. Keith also talks about the best time to retire and the importance of a first consultation to understand a client's financial situation and goals. He offers a free stress test for the first 10 callers to his firm. Keith discusses strategies for tax efficiency, Social Security planning, and long-term care and life insurance. He highlights the importance of estate planning and beneficiary reviews.