When I meet with an individual or family for the first time, that time is spent just digging into finding out what's important. Usually having enough money to enjoy retirement becomes a topic of discussion and a concern for most families. More times than not, I uncover that families are making contributions to their retirement plans but they really don't understand how their contributions help them achieve their actual need or want in retirement.  Contributions are made each month because they receive a company match, or the HR Director said it was a good idea. I utilize a mathematical calculation intertwined with a visual "bucket" presentation to show if they are on track to meet their goal. I explain that math does not lie and encourage action.  My goal with every appointment is to lay out a plan and have that plan properly protected and funded as soon as possible.  When it comes to Retirement Planning Time can be more valuable than Money!