What do financial advisors wish their clients would do sooner?

It's not about nagging you, judging your financial decisions, or expecting you to have everything figured out. In fact, it's just the opposite. The goal of financial planning isn't to give you more to worry about - it's to help you worry less.

In this episode of Be The Hummingbird, Laura Johnson shares the financial decisions she wishes more people would tackle before they have to. From starting to plan when you think you "don't have enough money", saving for retirement earlier, and building an emergency fund, to having difficult conversations with aging parents, getting estate documents in place, understanding Social Security, considering Long-Term Care, and being honest with your financial advisor - Laura talks candidly about the things people tend to put off until "later".

She also dives into the conversations we avoid: life insurance, money and marriage, relying on your children in retirement, and waiting for the elusive "perfect time" to retire.

Drawing from her own personal stories and years of experience as a financial advisor, Laura reminds listeners that financial planning isn't about predicting everything or getting every decision exactly right. Money can be messy. Life is unpredictable. Good financial planning is about putting things in place today that give you more choices tomorrow.

The takeaway? Earlier doesn't mean perfect - and it's never too late. Earlier simply means before you have to.

You don't need to tackle all 12 things today. Pick one. Have one conversation. Make one appointment. Take one step that you've been putting off.

Because sometimes the best financial decision you can make is simply asking for help before you become completely overwhelmed.