Financial pundits, including the likes of Warren Buffett, have pontificated on how you should invest and create wealth. Well, their insights are certainly useful, but then they can’t be applied across the board. Every individual and every family have their own unique needs and aspirations, and these will have to be aligned with the resources available and realistic financial goals. Even if we, for the sake of convenience, divide the investor population under several categories, what we get at best will be a rough segmentation. For a meaningful approach that maximizes the degree of success with investment decisions, nothing compares with a direct, honest and open engagement with the investor.