On our inaugural show, we'll discuss how true wealth cultivation must balance the tension between your current financial reality and your desired financial destination. Developing and implementing a financial plan is how you manage that tension. Since successful investing is critical to the success of most financial plans, Wayne will tell you about the three choices you must make with respect to every investment alternative. You can at most pick two, so choose carefully. Wayne will help you understand the trade-offs that many people do not fully contemplate. Financial planning can be technical. It includes elements of tax, investment management, cash flow analysis, and insurance. Many people are comfortable handling one or more parts of the process by themselves. Others, however, need help putting it all together. Wayne will describe the two general types of financial advisors - how they get paid and, more importantly, whose interests do they really represent.