A great deal of the work we experience in our profession is about helping people manage risk, such as the hazards of life we all experience on a day-to-day basis. Whether crossing a street, being diagnosed with a catastrophic medical condition, or having an unexpected loss of income due to sickness or injury, there are all kinds of perils we face each day. These risks of life can also cause a great deal of anxiety for our clients when they impact or threaten their money and savings. For example, placing money in investments that are too risky or the fear of outliving one’s income can be quite unnerving. Then again, consider the word “life” itself; the two middle letters of this word illustrate the issue clearly.