People working in tech and other sophisticated industries are often smart, well-educated, hard-working, and passionately dedicated to their jobs. You might assume they have a good handle on their personal finances as well. But while some do, many do not. When someone from tech, for example, comes into my financial planning office for an initial consultation, they’re often unclear on a variety of issues that matter in big ways — like if their start-up company stock options are incentive stock options or non-qualified stock options, how much they’re contributing to their 401(k) and how that money is invested, what the