In 1995 I had been working as an institutional investment professional in New York for nearly 20 years. My wife and I were going through our annual process of formally reviewing our finances, and consulting with our “team” of advisors – attorney, insurance agent, and accountant – to reconcile and integrate our financial life.
I found the process frustrating because our team was not really a team. Each advisor was an expert in his or her field, but no one wa... (login for more professional bio)