Most investors want to dive right into investing without taking the critical first step of plotting a course. Few business owners ever dream of entering into a fiscal year without constructing a detailed financial plan. However, these same business owners often fail to do the same for their family's net worth. Many investors spend their entire investing lifetimes chasing hot sectors, hiring and firing money managers, and assembling haphazard portfolios all in vain. Without direction, investors constantly change course and ultimately fail to reach their goals.