In this conversation, Jim, Ryan, and Denis discuss the importance of having a financial plan that goes beyond just investments. They explain that a financial plan is a blueprint for managing all aspects of one's finances, including income, expenses, insurance, and estate planning. They emphasize the need for flexibility and ongoing adjustments to the plan as life events occur. They also highlight the benefits of starting a financial plan early and the importance of educating clients about their finances. The conversation also touches on the significance of emergency funds, the implications of unforeseen events, and the importance of wills and powers of attorney. In this conversation, Jim Lao, Ryan Genoe, and Denis Bisson discuss the importance of financial planning for individuals and small business owners. They emphasize the need for a comprehensive financial plan that takes into account factors such as retirement goals, estate planning, and life events. The speakers highlight the benefits of working with a team of professionals who can provide unbiased advice and access to a wide range of financial solutions. They also stress the importance of ongoing communication and collaboration between clients and advisors to ensure that the financial plan remains aligned with the client's goals and circumstances.

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