The Wealth Cafe

Are You Missing Key Pieces in Your Financial Plan?

Caroline Tanis

In this episode of The Wealth Cafe, guest Caroline Tanis dives deep into what a comprehensive financial plan really is—and why so many people, even those already working with financial advisors, might be missing out. Caroline highlights the difference between investment advice and a holistic financial planning process, emphasizing that true planning goes far beyond annual portfolio reviews.

She walks listeners through her goal-setting journaling prompts, encouraging everyone to think not just about immediate objectives, but also long-term dreams, retirement lifestyle, and legacy wishes. Caroline breaks down the key elements that make up a full financial plan, including cash flow analysis, investment selection, retirement strategy, tax planning, estate and legacy considerations, as well as risk mitigation through insurance.

Throughout the episode, she poses critical questions listeners should ask themselves (and their advisors) to determine if they really have a complete plan in place. Caroline also discusses the importance of regularly updating your plan to reflect life changes and stresses the value of collaboration among your financial team—advisors, accountants, and estate attorneys—to truly work in your best interest.

The episode wraps up with an invitation for listeners to connect with Caroline’s firm, Tanis Financial Group, for those seeking more clarity and a genuinely comprehensive approach to financial planning as they look ahead to 2026.