Refined Wealth Newsletter by Joe Ward New video covering the most misunderstood financial planning metric among clients and advisors. I cover its shortcomings and why we tend not to use it at all. Instead, when retirement is five years out, we rebuild our client's plan a second time in a different tool. For the biggest decision of your financial life, I'd rather we spend the time to cross-check the numbers, than you have to go back to work. We're always here to listen and offer guidance when...