Traditional financial planning generally consists of saving for retirement, and other goals. Most financial plans look primarily at your investment accounts and the number of years you have until retirement, or until the assets will be needed. As a form of protection some of us have even segmented these assets with more than one person.

Wealth accumulation can be better tackled when those accounts are reviewed in combination. While management styles may still be diversified, it is important that all of the moving parts are monitored together as they find the foundation for the plan.