Life Stage Planning - Financial Planning for the 21st Century
Whatever your financial goals may be, we will work to develop a financial plan that is tailored to you.
Our Approach
You may be wondering what your financial journey looks like or what types of things you may need to be focusing on. We have financial plans for each stage in life and we would be happy to help you in customizing the right financial plan to fit your needs.
Learn More About Our Plans

On Your Own

The On Your Own plan targets recent graduates who are joining the workforce for the first time but haven't yet gotten married or started families. For these clients, we'll look at income and assets, which will likely be limited but have much potential for future growth. We'll work with each client to establish what it looks like to live within his or her means, review employee benefits, and be a resource for questions regarding managing student loans and major purchases such as cars or homes. We'll also discuss automating savings for such protections as emergency funds, retirement, and insurance coverage.

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Tying the Knot

This stage of life usually involves some asset growth and the need to merge two separate budgets. We'll remind these clients of the importance of living within their means as they save for the future. We'll help with planning whether to maintain separate or joint accounts, costs associated with having a family, and we'll go over the assets and liabilities each person brings to the marriage. Ideally we would have started these conversations with an On Your Own package for each person, but new clients will benefit too.

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New Arrival

Once a couple is established and ready to start a family (or has just started one!), it's time for the New Arrival plan. Usually in the age range of 30-45, we will develop a plan at the child's birth to start saving for college. To benefit from compounding interest, it's imperative to begin early! And, not including college, it costs about $235,000 to raise a child from birth to age 18. Clients purchasing this plan will receive help with appropriate amounts of insurance coverage to make sure the family is covered while those kids are growing up.

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Those who are in the full swing of work and family life will want to purchase our Pre-Retirement Plan. These are often the highest earning years, from age 45 to 65, and so it is crucial to carefully coordinate advisors. There's typically a 15-20 year gap until children leave their parents' payroll, so we'll include a checklist for the next decade-plus to help these clients secure retirement while wrapping up the parenting stage. We will also help clients centralize all accounts and financial documents in our eMoney software.

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With the children grown, career completed and retirement lifestyle likely already defined, it's time to purchase our Retirement Plan. Generally 60 years or older, common life events we'll help clients plan for include maximizing Social Security, enrolling in Medicare, estate planning, or taking care of other family members at home, whether a boomerang child or older parent. Many clients also will want help avoiding retirement mistakes they watched their parents make, and we'll help address that as well. Those purchasing this plan might also want to complete the circle by purchasing an On Your Own, Tying the Knot, or New Arrival plan for a child or grandchild.

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Subscription Plan

Four subscription-based plans that offer different levels of planning assistance.

View Plan Comparison.


Call 800-860-1060 to talk to us now, send us a message or schedule an appointment.