Meanwhile, the client may not have enough insurance, proper estate planning documents, or an emergency fund.

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At a worksite financial planning session, an employee was working out a plan to build an emergency fund when the planner asked her how much she would need in savings in order to feel comfortable.

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For some it might be debt reduction, for others it might be the establishment of an emergency fund of cash, yet others might pick from topics concerning their spending, retirement, college planning or risk management.

FORBES: Unbridled Optimism