Each stage in our lives brings new questions.
Talk with someone who can help you on your journey.
Working at my First Job Congratulations on your new job. This is the first step for you to start achieving your dreams. You’ve worked hard to land this position, but now there are financial decisions you are going to be faced with in regards to your employee benefits, paying down college debt, protecting your income and establishing a retirement plan. It can become a complicated and confusing process so let us help you understand your options and get you started on the road to long-term success.
Getting Married Congratulations on embarking on a new adventure with your loved one. This is an exciting time for you both; one that comes with financial decisions that you will need to consider as you begin a journey together. You will need to make sure you assess your individual financial behaviors and develop a financial plan to achieve your shared hopes and dreams for your future together.
Buying a Home Buying a home is a major accomplishment, a huge step forward. It can also come with a ton of financial questions that will lead to a major financial commitment. In order to approach the process with confidence it is important to consider all the factors that go into not only buying a home but protecting that investment. A house is not just an investment or a piece of property but it is a place that you want to be able to make a comfortable and lasting home.
Welcoming a Baby Congratulations on the newest addition to your family. Having a child or grandchild is a time for joy and celebration. It is also a time to consider how you can best protect the financial well-being of your family. It is important to evaluate your financial plan to make sure it is keeping up with your changing priorities. You’ll want to consider updating your will, establishing trusts and an estate plan, as well as protecting your income.
Planning for Education Armed with an education there is no limit to what your child could accomplish. Many parents want to help their children by preparing them financially for a 4 year degree. Based on current trends and inflation, four years of college in 2029 could cost $130,000 for a public college and around $300,000 for a private college.* As college costs continue to skyrocket with no end in sight, parents should consider ways to supplement and protect their children's college savings plans.
Planning for Retirement Whether you plan to retire in a few years, or in 40 years, it is important to start planning and saving. Creating the retirement you want requires a solid plan and diligent saving, so the sooner you begin, the more opportunities you can explore. Carefully considering your current needs and future goals will help you create a realistic retirement plan. It’s important to meet regularly with your financial professional throughout your life, to make any adjustments needed to continually bring your retirement into sharp focus.
Accident or Illness An accident or chronic illness can take more than just a physical and emotional toll. You may face loss of income due to your inability to work, increased living expenses to help cope with the affects of your illness and an added drain on family members who may need to provide constant care. Because life does not always go according to plan you want to make sure you have resources and plans in place to protect you and your family from life’s unexpected events.
Divorce Divorce is one of the most challenging times in a person's life, a process filled with stress and many financial decisions that will impact you and your family. It is a time that you need to take control of your financial planning by being educated about the choices you have that will help you reinvent your life. Where do you begin? By talking to a financial professional you can get your questions answered and adjust your financial plan to reach your new goals.
Changing Jobs In today’s workforce people stay with an employer for an average of 4.6 years.** If you are at a time in your life that you are considering changing jobs, make sure you are financially prepared to make the switch. There are some financial aspects to take under advisement including rolling over your 401k, salary and benefits and having an emergency fund. Changing jobs is an exciting chance to move forward in your career, but make sure you understand how it can fit into your overall financial plan.
Loss of a Loved One There are no words that can really describe the pain of losing a loved one. During this emotional time in your life, the last things you or your family should be thinking about are financial concerns and worries. That is why it is so important to minimize the financial impact or to ease the burden on loved ones when you die. In order to prepare for the unexpected that life can throw at you, make sure you have plans in place and speak with a financial professional who can answer your questions.
* The College Board College Cost Calculator.