My name is Denis Smirnov and I’m a financial planner at Gordian Advisors in Tucson, AZ.  I decided to start “Plan by Numbers” blog as an attempt to explore the financial planning topics that I come across in my work with clients.  The idea is to use numerical examples to simply illustrate complex concepts related to planning, investments and economics.  Some of the posts are geared towards individual investors, while others are more suitable for advisors and other financial professionals.  Please leave comments and ask questions about the posts that interest you.