<section class="ff-advisor-section">
  <div class="ff-container">

    <div class="ff-hero">
      <h1>Grow, Protect, Preserve: The Three Pillars of Smart Financial Management</h1>
      <p>
        Our comprehensive strategy evaluates local financial advisors across three essential pillars:
their ability to grow your wealth, protect your wealth, and create a meaningful legacy.

At the center of this framework is you.
Your career path, personality, family dynamics, and long-term financial priorities all influence which strategies, and which advisor, will be the right fit.
      </p>
    </div>

    <div class="ff-divider">
      <span>✦</span>
    </div>

    <h2 class="ff-section-title">The 3 Key Pillars of Effective Financial Planning</h2>

    <div class="ff-card-grid">
      <div class="ff-card">
        <div class="ff-icon">📈</div>
        <h3>Growing Your Wealth</h3>
        <p class="ff-sub">How your investments are designed and managed</p>
        <ul>
      
          <li>How portfolios are designed and investment selection</li>
          <li>Investment approach and philosophies (i.e. Active vs. passive management)</li>
          <li>Depth of team, access to market research and insights</li>
          <li>Ability to tailor portfolios to individual needs and preferences</li>
          <li>Level of financial planning included e.g., budgeting, cash flow, tax awareness</li>
          <li>Monitoring and rebalancing</li>
        </ul>
      </div>

      <div class="ff-card">
        <div class="ff-icon">🛡️</div>
        <h3>Protect <em>Your</em> Wealth</h3>
        <p class="ff-sub">How taxes and financial risks are proactively managed</p>
        <ul>
          <li>Coordination with your CPA</li>
          <li>Planning around stock compensation or large gains</li>
          <li>Proactive tax-saving strategies</li>
          <li>Adjustments as tax laws or income change</li>
          <li>Planning for major financial events</li>
        </ul>
      </div>

      <div class="ff-card">
        <div class="ff-icon">🌱</div>
        <h3>Plan for Your Future</h3>
        <p class="ff-sub">How wealth is structured to support long term goals</p>
        <ul>
          <li>Retirement income planning</li>
          <li>Estate and legacy coordination</li>
          <li>Aligning around career or liquidity transitions</li>
          <li>Planning for major life events</li>
          <li>Ongoing updates as life evolves</li>
        </ul>
      </div>
    </div>

    <div class="ff-personal-section">
      <div class="ff-personal-title-wrap">
        <div class="ff-line"></div>
        <h2>Why Advice Should Feel Personal</h2>
        <div class="ff-line"></div>
      </div>

      <p class="ff-personal-intro">
        <strong>Your background</strong> should shape the financial strategy you receive
      </p>
      <p class="ff-personal-sub">A thoughtful advisor considers:</p>

      <div class="ff-factors-box">
        <div class="ff-factor"><span>💼</span><p>Your income structure and career stage</p></div>
        <div class="ff-factor"><span>🗺️</span><p>Your family goals and responsibilities</p></div>
        <div class="ff-factor"><span>🏠</span><p>Your tax environment where you live</p></div>
        <div class="ff-factor"><span>📊</span><p>Your existing investments or stock exposure</p></div>
        <div class="ff-factor"><span>💬</span><p>Your comfort with investing and desire to collaborate</p></div>
        <div class="ff-factor"><span>⚖️</span><p>Your comfort with risk and uncertainty</p></div>
      </div>
    </div>

  </div>
</section>

<style>
  .ff-advisor-section {
    background: #F6F6F7;
    padding: 80px 20px;
    font-family: Georgia, "Times New Roman", serif;
  }

  .ff-container {
    max-width: 1150px;
    margin: 0 auto;
    color: #243138;
  }

  .ff-hero {
    text-align: center;
    max-width: 850px;
    margin: 0 auto 40px;
  }

  .ff-hero h1 {
    font-size: clamp(34px, 5vw, 62px);
    line-height: 1.15;
    font-weight: 500;
    margin-bottom: 28px;
    color: #243138;
  }

  .ff-hero p {
    font-family: Arial, sans-serif;
    font-size: 24px;
    line-height: 1.7;
    color: #2f3b42;
    margin: 0;
  }

  .ff-divider {
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 38px auto 30px;
    position: relative;
  }

  .ff-divider:before,
  .ff-divider:after {
    content: "";
    height: 1px;
    background: rgba(36, 49, 56, 0.15);
    flex: 1;
    max-width: 450px;
  }

  .ff-divider span {
    margin: 0 18px;
    color: #c99a4b;
    font-size: 28px;
  }

  .ff-section-title {
    text-align: center;
    font-size: clamp(28px, 3vw, 46px);
    font-weight: 500;
    margin: 0 0 40px;
  }

  .ff-card-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    margin-bottom: 70px;
  }

  .ff-card {
    background: rgba(255,255,255,0.55);
    border-radius: 30px;
    padding: 34px 28px 34px;
    box-shadow: 0 18px 35px rgba(0,0,0,0.05);
    text-align: left;
  }

  .ff-icon {
    font-size: 42px;
    margin-bottom: 18px;
  }

  .ff-card h3 {
    font-size: 30px;
    margin: 0 0 10px;
    font-weight: 500;
    line-height: 1.2;
  }

  .ff-sub {
    font-family: Arial, sans-serif;
    font-size: 20px;
    line-height: 1.5;
    color: #46545a;
    margin-bottom: 22px;
  }

  .ff-card ul {
    list-style: none;
    padding: 0;
    margin: 0;
  }

  .ff-card li {
    position: relative;
    padding-left: 28px;
    margin-bottom: 14px;
    font-family: Arial, sans-serif;
    font-size: 20px;
    line-height: 1.45;
    color: #2f3b42;
  }

  .ff-card li:before {
    content: "✓";
    position: absolute;
    left: 0;
    top: 0;
    color: #5f876d;
    font-weight: 700;
  }

  .ff-personal-section {
    text-align: center;
  }

  .ff-personal-title-wrap {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 18px;
    margin-bottom: 20px;
  }

  .ff-personal-title-wrap h2 {
    font-size: clamp(28px, 3vw, 42px);
    font-weight: 500;
    margin: 0;
    white-space: nowrap;
  }

  .ff-line {
    height: 1px;
    background: rgba(36, 49, 56, 0.18);
    width: 180px;
  }

  .ff-personal-intro {
    font-family: Arial, sans-serif;
    font-size: 24px;
    line-height: 1.5;
    margin: 0 0 8px;
  }

  .ff-personal-sub {
    font-family: Arial, sans-serif;
    font-size: 22px;
    color: #46545a;
    margin-bottom: 32px;
  }

  .ff-factors-box {
    background: rgba(255,255,255,0.55);
    border-radius: 34px;
    padding: 34px 28px;
    box-shadow: 0 18px 35px rgba(0,0,0,0.05);
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px 24px;
    text-align: left;
  }

  .ff-factor {
    display: flex;
    align-items: flex-start;
    gap: 14px;
  }

  .ff-factor span {
    font-size: 34px;
    line-height: 1;
    margin-top: 2px;
  }

  .ff-factor p {
    margin: 0;
    font-family: Arial, sans-serif;
    font-size: 21px;
    line-height: 1.45;
    color: #2f3b42;
  }

  @media screen and (max-width: 900px) {
    .ff-card-grid,
    .ff-factors-box {
      grid-template-columns: 1fr;
    }

    .ff-personal-title-wrap {
      flex-direction: column;
      gap: 10px;
    }

    .ff-line {
      width: 120px;
    }

    .ff-personal-title-wrap h2 {
      white-space: normal;
      text-align: center;
    }

    .ff-hero p,
    .ff-sub,
    .ff-card li,
    .ff-factor p,
    .ff-personal-intro,
    .ff-personal-sub {
      font-size: 18px;
    }
  }
</style>