Depending on your situation, your coach may see a significant gap that needs to be addressed. For situations such as this, our coaches partner with other vetted professionals who specialize in the area where you are in need of additional assistance. We call these professionals “subject matter experts” or SMEs. Because you will be working with another firm, these services are not included in the price of planning, and additional costs directly to this other company will apply. Coaches do not receive financial incentive for making referrals. See SMEs