Where to Begin October in northern Michigan is color on the hills and a shorter afternoon, and this year it was also a luncheon. On the card the Traverse City team handed to every guest was a line from Tammy Stoerkel: some of her favorite conversations start with "I don't even know where to begin." That line turned out to be the thread through this issue. Tammy, Beth Price, and Bonnie Barley went back to the table with Michigan Girl, and shared a note from a guest at the last luncheon who found her way to the first question. Ben Beck, CFP® writes about a client who decided to ask every question she had, and about what fear is allowed to do in a decision. And in the Planning Corner, Meg Curry, CFP® explains two words on your beneficiary form, per capita and per stirpes, and a five-minute check most people have never made. Nobody starts with a spreadsheet. A plan begins when someone decides to ask. That is what this issue is about.
