Most people think retirement is a finish line. Most professionals think wealth is a number, protected by a document. Both are wrong. The second half of life is not just about money. It is about who will make decisions when you cannot. Who will carry the weight when care is needed. How your relationships, values, and stories will be passed on. And whether your family will be united or divided when everything changes. Yet most planning still treats people like spreadsheets. Clarity Before Crisis was written to change that. Drawing on years on the front lines as a financial planner, Benjamin Bolen, CFP®, shows why traditional retirement and estate planning often fail when life becomes emotional, complicated, and human. He reframes wealth as something far bigger than accounts and net worth, and legacy as something deeper than documents and distributions. This book guides you through:Redefining retirement as a season of purpose, not decline Seeing wealth as time, relationships, and meaning, not just money Moving beyond estate planning into true legacy planning Preparing your family for aging, caregiving, and transition before crisis forces rushed decisions Money, healthcare, legal documents, and family dynamics are all connected. When they are not aligned, families suffer. When they are, people gain freedom to focus on what matters most. Through stories, frameworks, and practical checklists, you will learn how to secure the financial foundation while also creating the clarity that allows your family to face the future with confidence instead of fear. Whether you are planning your own next chapter or walking beside someone you love, this book will change how you think about