About the AuthorFinancial Wellness co-columnist Thomas Elms is a financial life planner at Triune Financial Partners. He specializes in practice owners and high-earning millennial families. Written By This AuthorFinanceHow Much Do You Need for Retirement?While there’s no magic number, financial planning can prepare you for an era of serenity. FinanceThe Importance of Emergency SavingsStockpiling what-if cash turns life’s emergencies into mere inconveniences.