Most people have a plan. Few have the plan they think they have. The gap between the two is where families get hurt. This book is about closing that gap before it opens at the worst moment.
3DHaving a will, some insurance, a few investments, and an accountant feels like having a plan. But a plan is not a collection of documents; it is a coordinated system that produces the right outcome under pressure. Most people have never stress-tested theirs. They assume the beneficiary is current, the cover is adequate, the will reflects today's family, and the pieces fit together, until a crisis reveals that none of it was true.
The Plan You Think You Have is a structured audit of your own planning. It walks through every component, documents, beneficiaries, cover, liquidity, access, structures, and tests each against the outcomes you actually want. It reveals the gaps, the contradictions, and the stale assumptions hiding in plain sight, so you fix them on a quiet afternoon rather than discovering them on the worst day.
Old beneficiary forms quietly send assets to the wrong, or former, people.
A will written for a previous life produces today's wrong outcome.
Documents and accounts give conflicting instructions no one has reconciled.
Cover and liquidity assumed sufficient turn out to fall short under real pressure.
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.
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 HaveNow Reading
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
The Estate Liquidity Bridge
When a Plan Ages
The Three Coverage Gaps
Jurisdictional Drift
Signed, Sealed, ForgottenAuditing your own plan often reveals it's weaker than you believed. That discomfort is the value, every gap found on a quiet afternoon is a gap that won't ambush your family later.
“The most dangerous plan is the one you're sure you have, but have never actually tested.”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.
02Work Optional06Too Young, Too Healthy, Too Late12Your Pension Is Here. Your Retirement Is There.15Nobody to Fall Back OnThe book is shared on request. Tell us where to send it and we'll get your copy to you.
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