There are exceptions. Every plan is different, but in general:

1. Diversify Early – Spread across US/international stocks, bonds, annuities, real assets, etc.

2. Get More Sophisticated as You Grow – Over $500k? Add…

Money today is worth more than the same amount in the future due to:
✅ Compound growth (earning returns on returns)
✅ Inflation erosion (future dollars buy less)
and more…