As financial professionals it is our responsibility to help clients take control of their financial future by giving them a holistic view of their wealth—how much money they have, where it’s going and how to make it. The first step in that process is to help them understand how much income they need to sustain their lifestyle. The second is to help them understand how long they’ll need to sustain that level of income. And the third is to help them get a handle on what rate of return they’ll need to generate in order to do that.