At some point, almost everyone confronts a financial decision that feels heavier than it should. Sometimes it arrives early, with a first job and a benefits portal full of unfamiliar investment options. Other times it shows up years later: a year-end email asking you to revisit your elections, a promotion that shifts your tax bracket, a divorce that forces new priorities, or a market downturn that makes risk suddenly feel personal. The circumstances change, but the experience

A Personal Finance Reimagined Origin Story This article is a personal and professional retrospective from Jeff Hulett, a career banker,...