... 112 Index life insurance trust and, 148 overview, 103 104 planning, 26–27, 233 stock options, 126–127 tax planning, 105 109 tax preparation, 109 – 110 U.S Trust Survey of Affluent Americans, 104 105 ... Financial advisor, choosing coordinating planning estate planning, 232 financial planning, 231–232 income tax planning, 233 insurance planning, 233–234 private banking, 234 retirement planning, ... every firm in the personal planning business is involved in financial planning: Brokers, RIAs, and banks and trust companies are joined by accountants, lawyers, and insurance agents Financial planners...