Conservative? How 2 or 3 Could Change It All…

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While vacationing in Skaneateles, NY with my family last month, I was chatting with my cousin about the return his financial planner has been getting for him.  When he said “5%-8%” I immediately thought, “Yup. That’s what EVERYONE says when I ask about their planner and the return they usually get for their clients.” He used the phrase, “It’s a conservative approach”. I’ve heard it before. It’s what most people think and do: Put your money with the planner, let it sit for 20 or 30 years, then retire, right??  Not so fast…