You’ve been disciplined for decades. You’ve saved, invested, and stayed the course — but now, with retirement on the horizon, you can’t shake the question: Is this really enough? That’s where Vikram found himself. A smart, forward-thinking software developer with more than two decades in mobile technology and AI, Vikram had been diligent about building his future. He and his wife had set aside over $2 million. He wasn’t starting from scratch — far from it. In fact, his portfolio had consistently delivered 7–10% annual returns. By all measures, things were going well... But, “going well” wasn’t quite the same as “feeling certain.”

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