Over decades of focusing on abstract goals, retirement savings often becomes more about hitting certain numbers than staying open to the dynamic, ever-changing rhythms of life. But life is never as certain as math, and neither is retirement.

Saving for retirement is a little like sailing: when the sun is out and the sea calm, everything seems great, but when the wind comes up and the sea’s volatile, it becomes downright frightening. And there have been some volatile markets recently, which may have made you feel like opting out entirely and jumping overboard. But, as with sailing, so with investing—you’re better off in the boat.

One of the most effective ways to lower your tax burden is to split your income with your spouse.

Let’s take a moment and rewind – back before you started your career, your relationship or your family. Back then, when you had more time and less money, how much did you spend? What about now? The difference between the two is lifestyle inflation.

The foundation of financial planning is savings. When you save, you secure your financial future and make it easier to fund your dreams. Often when we talk of savings, we focus on retirement. But, there’s so much more to savings than that.

Taxes are hard. Even Einstein had problems with them and he was a genius. But we've got good news, if you strip it back to the essentials, you can sum up a good tax strategy in four words.