Because the information required for a financial plan is sensitive, it's possible some clients may be reluctant to share certain things. That's one reason it's important to let them know that without all of the detail, a proper diagnosis and plan cannot be done, said Max Horne, CFP, a 27-year MDRT member from Fife, Scotland. "We tell them many of our clients tell us things they don't tell their spouses, but all the information we collect during the initial discovery process is confidential," he said. "This opens up clients to tell us about all sorts of different things."