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Major life events are often the first precursor to thinking about your financial future.  Some of these events are full of emotions that challenge your decision making.  Planning ahead can give you confidence and allow you to focus on you and your family.  If you are currently dealing with any of these events, or expect to in the near future, talking to a financial advisor can help you make well-informed financial decisions.  

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Planning/Saving for Retirement  Planning for retirement starts with asking yourself three basic questions: What kind of retirement do I anticipate? When do I want to retire? How long will retirement last? The answers can help you determine how much of an income stream you'll likely need when you retire and help put you in a better position to make educated choices now about saving and investing for your retirement.

Nearing Retirement/Retirement  You've worked hard your whole life, anticipating the day you could finally retire. When that day finally arrives, you'll need to carefully manage your assets to help make sure your retirement savings will last. This involves reviewing your portfolio regularly, spending wisely, understanding your retirement plan distribution options, and making informed decisions about your Social Security benefit.

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Saving for College  There are many benefits of a college education--the ability to compete in today’s competitive job market, increased earning power, and expanded horizons. But college is expensive, and costs go up every year. That’s why we think it’s important to start saving for college as early as possible.

Managing College Expenses  Managing college expenses can be a balancing act. You may be wondering how you will pay for college when the time comes. In addition to your savings, some of the costs may be covered by your current income, federal loans, grants, work-study, college merit and need-based scholarships, private loans, education tax benefits, and student earnings. The key is making it all work within your existing budget.

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Getting Married

Getting Married  Getting married is an exciting time in one's life. However, in addition to planning for the reception and honeymoon, you should also take a look at how getting married will impact your financial situation. With proper planning, you can help increase your chances of financial success as you start this new chapter in your life.

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Starting a Family 

When you become a parent, you will probably soon realize that meeting your growing family's needs takes some planning. Should you revise your budget? Review your insurance and estate plan? Begin saving for college? These are just a few of the questions you might have as you start this exciting phase in your life.

When you become a parent, you will probably soon realize that meeting your growing family's needs takes some planning. Should you revise your budget? Review your insurance and estate plan? Begin saving for college? These are just a few of the questions you might have as you start this exciting phase in your life.

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Starting Out  Perhaps you've just graduated from college and have student loans to repay. Or maybe you are looking to move out on your own into a new apartment. If you are just starting out, you'll likely have new obligations to meet and new goals to pursue. Having a plan in place can help you as you begin this new stage in your life.

Buying a Home  Many individuals dream of owning a home of their own. However, buying a home can often be a stressful process, especially for a first-time homebuyer. Fortunately, knowing how the process works ahead of time can help make things a lot easier.


Starting a Business  Thinking of starting a business? If so, you probably have many questions about the potential pitfalls and perks. We have resources that can help answer those questions, and provide you with the basic knowledge you’ll need to put your new business idea in motion.

Changing Jobs  Starting a new job is like embarking on a new adventure, and can bring a mix of excitement and apprehension. Whether your job change is imminent or you are just beginning to consider a change in your employment, a number of factors will influence the decisions you will face during this transitional period.

Financial Windfall  Whether it comes from winning a lottery, coming into an inheritance, or the sale of a business, a financial windfall is often an unexpected and happy event. However, issues can arise, such as having to choose a financial professional, deciding what to do with your money, and understanding tax and estate planning implications.

Long-Term Care Planning  The longer you live, the greater the chances you'll need some form of long-term care. As a result, it's a real possibility that you or your spouse could become incapable of handling your own medical or financial affairs. If you're concerned about preserving your assets and maintaining your financial independence in your later years, it’s important to plan for the possibility of long-term care.

Caring for an Aging Parent  As your parent grows older, you may need to step into the role of caregiver, sometimes unexpectedly. That's why it's never too soon to talk to your parent about the future, and to begin preparing for the financial, legal, and emotional issues you might face.

Planning an Estate  Estate planning can help you manage your assets while you are alive, and conserve and control their distribution after your death. Estate planning can also help you manage medical decisions if you become incapacitated.


Planning for Business Succession  You've worked hard to build your business. It may be time to think about what you would like to happen to that business if you become disabled, retire, or die. A business succession plan can help you plan the transfer of your ownership interest to family members, co-owners, employees, or an outside party.

Getting Divorced  Getting divorced can be an emotionally trying time. However, a divorce can also have an impact on one's finances. As a result, you'll want to have a financial plan that can help ensure your financial well-being during this difficult transition.

Coping with Unemployment  Perhaps you’ve lost your job, or maybe your company is downsizing and you’re concerned about being let go. Coping with unemployment means dealing with the emotional, financial, and professional challenges unemployment can bring.

Loss of Spouse  It's never easy to make important financial decisions, and doing so after the death of your spouse can be especially stressful. Fortunately, there are steps you can take to make this difficult time a little easier.

Free Consultation Meeting:  We offer a free, no pressure or obligation, consultation meeting.  During the meeting, we will listen to your goals, examine your current financial situation and strive to offer honest, forthright answers to all of your questions.  Call us to schedule your appointment, (717) 461-7828.