[Verse 1] Sarah builds her blueprint, pen against the paper Sixty-seven years old, retirement's getting clearer Goals and dreams she's weaving, numbers tell her story House for grandkids' visits, travel through the mountains [Pre-Chorus] Every person's different, every wallet sings a tune Time horizons stretching from tomorrow to the moon [Chorus] O-R-T-L-U makes it crystal Objectives first, then Risk you'll wrestle Time how long, Liquidity's treasure Unique concerns beyond all measure Tax and Legal round the circle IPS for individuals [Verse 2] Tom's twenty-five and married, baby on the way College funds and mortgages dancing in his head Risk capacity's mighty when decades stretch before you But his wife needs steady sleep, not portfolio nightmares [Pre-Chorus] Life stage paints the canvas, circumstances hold the brush Young guns chase the thunder, elders value calm and hush [Chorus] O-R-T-L-U makes it crystal Objectives first, then Risk you'll wrestle Time how long, Liquidity's treasure Unique concerns beyond all measure Tax and Legal round the circle IPS for individuals [Bridge] Primary income, secondary growth Risk tolerance meets ability both Multistage planning as life evolves Emergency funds before it dissolves Taxes nibble at your harvest Legal structures guide the forest Human capital young and strong Diminishes as years grow long [Chorus] O-R-T-L-U makes it crystal Objectives first, then Risk you'll wrestle Time how long, Liquidity's treasure Unique concerns beyond all measure Tax and Legal round the circle IPS for individuals [Outro] Document the vision, review when seasons change Your personal investment policy rearranged
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