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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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.

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