Need
Because you have critical needs—such as financial independence, wealth accumulation, the welfare of your family, the education of children and grandchildren, lifestyle maintenance, and retirement—so a single solution won't work.

Results
Because you must meet your needs, and planning is essential to the success of any important, long-term undertaking.

Cost
Because the cost of not planning is far higher. Even the costs along the way—for investments, insurance, taxes, and other financial necessities are less with planning than without.