# 125 1st Of The Most Important Financial Planning Articles Ever Written

There are THREE financial planning concepts that ALL people, consumers and professionals, need to be aware. Bill Bengen's seminal piece on the 4% rule is the starting point indeed. His piece began the TEDIOUSLY slow process of moving planning from investment management solely to actually financial planning.  Trust me, there is still a LONG WAY TO GO here but if not for Bengen's piece, I shudder to think where we'd be as an industry.