In the world of finance, what is it that financial institutions deliver? They have products to sell – to use a golf analogy, they offer clubs. Unfortunately, too much focus is on the product, when focus should be spent more directly on the swing, which is the process. Do you need to have clubs to play golf? Of course you do. Similarly, to compete in the world of finance, one is going to need financial products to play, but the product, or club, one chooses is not as important as having the correct swing. Most advisors are so busy focusing on how great their product is that their client never really learns how to leverage it effectively. You must master the use of your money and learn to avoid losing strategies along the way. You must also have access to your money and be able to make the necessary adjustments when needed (liquidity, use and control).