No matter if you're single, a recent college graduate, you've just gotten your first job, you're paying down debt, or saving for a downpayment on a home, there are important issues to consider during this phase.  We're here to help whether that involves:

1. Creating a spending plan
2. Tracking expenses
3. Managing debt and understanding credit scores
4. Helping you to understand savings goals and ways to save
5. Establishing an emergency fund
6. Setting up systematic deposits from your paycheck to various savings buckets
7. Taking advantage of your workplace retirement plan or other employer benefits
8. Choosing between Traditional IRA or Roth IRA accounts
9. Working with an estate planning attorney to draft legal documents 
   

Talk to any member of our team today to find out if we might be a good partner for you.

You may find yourself planning to pay for a wedding, looking at new homes, making other large purchases, establishing careers, undertaking more school, or thinking about starting a family.  That's why it's important to consider:

1. Understand how to balance dual incomes and perspectives
2. Control spending
3. Defining common expectations and goals relating to spending, debt, and savings
4. Joint decisions on account titling, health insurance, etc.
5. Retirement plan contribution considerations
6. Learning about investments
7. Buying life insurance
8. Starting a business
9. Ensuring legal documents are up to date

We can help.

If children or raising children are part of your plan it's important to understand how to best create plans that work for your family.  Child care, housing situations, income limitations, and other factors should be outlined.  Such as:

1. Starting education savings plans
2. Estimating college costs
3. Prioritization of these expenses and the impact to potential outcomes
4. Evaluating life insurance needs
5. Providing for family health care
6. Establishing guardians for minor children if need be
7. Family dynamics
8. Family philosophy of money
9. Trust Protection 

We have the experience and the resources to help craft a plan solely focused on you and your goals.

This phase typically involves your prime income-earning years, potentially helping children pay for education expenses, possibily assisting parents with their care, and enjoying more free time.  These planning conversations focus on:

1. Maximizing income tax deductions
2. Catching up on retirement plan contributions
3. For business owners, the development of an exit strategy (succession, transition, exit)
4. Paying off debt
5. Projecting future expenses
6. Re-evaluation of investment risk and inflation risk
7. Retirement income planning (pension, investment, social security, other)
8. Ensuring legal documents are updated and reflect any changes in family structure or otherwise

The phase builds off the development of all prior planning and is essential to making sure that goals and outcomes are attainable.