You have a banker, a broker, an insurance agent, an accountant, and a lawyer. What you may not have is a plan. This book is about the cost of advice that is everywhere and coordination that is nowhere.
3DSuccessful people accumulate advisors the way they accumulate assets, one at a time, each solving a single problem. The banker manages cash, the broker manages investments, the agent sells cover, the accountant files returns, the lawyer drafts documents. Each may be excellent. But no one sits above them holding the whole picture, and so the parts quietly work against each other.
Advised Everywhere. Planned Nowhere. exposes the gap between advice and architecture. It shows how uncoordinated experts create overlaps, conflicts, and blind spots, why no single specialist is incentivised to see the whole, and how to install the missing role, the architect, who ensures every piece of advice serves one coherent plan.
One advisor's solution quietly undermines another's, and no one notices.
You pay several times for overlapping products and overlapping fees.
Each specialist assumes someone else owns the risk that no one actually owns.
When the plan fails, every advisor points to the part that was not theirs.
01The Right Tool for the Right Job
02Work Optional
03The Day the Benefits Stopped
04The Tax Illusion
05Worth Millions on Paper
06Too Young, Too Healthy, Too Late
07Nobody Has the Keys
08Yours, Mine, and Theirs
09Advised Everywhere. Planned Nowhere.Now Reading
10The Phone Call That Changes Everything
11Eighteen Years to Get This Right
12Your Pension Is Here. Your Retirement Is There.
13The Stamp That Expires
14The 183-Day Trap
15Nobody to Fall Back On
16Built by One. Lost by Three.
17The Conversation the Money Needs
18The Child the Financial Plan Forgot
19The Empty Estate
20The Family Philanthropy Playbook
21From Piggy Banks to Private Trusts
22The Family Bank
23The Plan You Think You Have
24Just One More Million
25My Family Would Never Fight Over Money
26I’ll Sort It Out When I’m Older
27Perfectly Logical
28I Was Going To
29More Salary, Less Money
30You Insured Your Phone
31What to Do When the Money Arrives
All the Pieces, None of the Picture
The Architect You Don’t Have
From Fragmentation to Architecture
The Pre-Move Conversation
The Coordination Matrix
The Planning Architecture GapYour specialists are valuable. The point is that specialists need coordination, not replacement. If you already have a true planning architect who holds the whole picture, you may be ahead of most.
“Being advised everywhere is not the same as being planned anywhere.”Dr. Sanjay Tolani
Dr. Sanjay Tolani is a third-generation insurance professional and one of the most decorated financial planners in the world. He qualified for the Million Dollar Round Table at 19, the youngest member in its history, a record that still stands, and has since structured more than USD 25 billion in assets for over 50 high-net-worth families across 53 countries.
Beyond his practice, Dr. Sanjay has built the world’s largest advisor mentoring community, over 200,000 members, all free, and authored books that have sold more than a million copies in five languages. The Right Tool Series makes that same expertise available to families, business owners, and globally mobile professionals who need real plans, not general advice.
03The Day the Benefits Stopped04The Tax Illusion13The Stamp That Expires14The 183-Day TrapThe book is shared on request. Tell us where to send it and we'll get your copy to you.
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