For nearly twenty-five years, I've worked as a financial planner. Early in my career, I focused on what I was trained to focus on: rates of return, asset allocation, tax efficiency, risk management. These matter. But they're not what matters most. The clients who slept best at night, who felt most satisfied with their financial lives, who experienced genuine fulfillment—they weren't necessarily the ones with the biggest portfolios. They were the ones whose money aligned with