Skip to content
The Art and Science of Successful Planning
Menu
Home
Company
Our Mission Statement
Who We Are
Who We Serve
Our Professionals
How We Differ
Choosing a Financial Advisor
Richest Man in Babylon
Who We Serve
Contractors And Tradesmen
Financial Planning for Seniors
Senior Lifestyle Planning
Senior Housing Placement Services
Public Benefits Planning
Veterans
AAFMAA Wealth Builder
Veterans Aid & Attendance
Public Safety Worker
Self-Directed Brokerage Accounts (SDBA)
Medicare Benefits Planning
PEO & Benefits Consulting
PEO Consulting Services
Employee Benefit Consulting Services
Disability Income Protection
Business & Personal Life Cycle
Senior Housing Placement
Split Annuity Income Investors
Blog
Resources
Estate
Investment
Split Annuity Income Investors
Insurance
Tax
Money
Lifestyle
Tools
Useful Links
Glossary
Tax Resources
Contact
Personal
independence
Life
Stage
Protection
This chart represents the most common stages of a working lifetime.
Accumulation
Estate
Planning
Establish
emergency
fund
Insure
income with
disability
and
health
insurance
Protect
wage-earners
with life
insurance
Re-evaluate and
Increase coverages
Maximize life,
disability insurance
to protect growing
income, estate
Review
insurance
to meet
anticipated
needs
Adjust life
insurance to
cover estate
taxes, if
needed
Protect
personal
and
family
properly
Develop
budget
Start financial
recordkeeping
system
Establish
Relationships
with financial
advisors
Make a will
Revise wills and
other legal papers
Analyze
estate plans
as children
leave home
Reevaluate
estate plans
and adjust
as needed
Develop
Investment
philosophy
Set
long-term
goals
(housing, etc.
Handle
Increased
child-rearing
costs
Plan for financing
children’s
education
Consider investments
that minimize
taxes
Establish
retirement
goals
Monitor
progress
toward
financial
independence
Maximize
investments
Budget for
Retirement
lifestyle
Financial
independence
Plans for
career,
future
income
Select
relationships
Marriage
Establish
lifestyle
Become
Parent
Expand career goals
Put down roots
Retirement
Manage stress of
time demands
Reassess personal
priorities and values
More concern
with “quality
of life”
Manage
stress of
changing
relationships
and aging
process
Adjust to
empty nest
Prepare for
retirement,
expand
leisure,
community
interests
Personal Life Cycle
Plans for
career,future
income
Select
relationships
Marriage
Establish
lifestyle
Become
Parent
Expand career
goals
Put down
roots
Optimize
experiences
Personal
independence
Establish
emergency
fund
Establish
retirement
goals
Budget for
Retirement
lifestyle
Reevaluate
estate plans
and adjust
as needed
Analyze
estate plans
as children
leave home
Protect personal
and family
properly
Handle
Increased
child-rearing
costs
Protect
wage-earners
with life
insurance
Set long-term
goals
Monitor progress
toward financial
independence
Insure income
with disability
and health
insurance
Reassess
personal
priorities and
values
Maximize
life,disability
insurance
to protect
growing income, estate
Review
insurance
to meet
anticipated
needs
Plan for financing
children’s
education
Revise wills and
other legal papers
Make a will
Adjust life
insurance to
cover estate
taxes, if
needed
More concern
with “quality
of life”
Prepare for
retirement
expand leisure,
community
interests
Manage stress
of changing
relationships
and aging
process
Retirement
Manage stress of
time demands
Re-evaluate and
Increase coverages
Develop
Investment
philosophy
Start financial
recordkeeping
system
Establish
Relationships
with financial
advisors
Develop
budget
Financial
independence
Maximize
investments
Consider investments
that minimize
taxes
Custom investment amount of your choosing
Amount
*
USD
How would you like to receive your custom quote?
Email
Address
Phone
Please complete the below information for you custom quote.
First Name
Last Name
Email Address
*
DOB
*
Month
*
Day
*
Year
*
Phone
Best Time to Call
Address
City
State/Province
*
Required for state licensing
ZIP / Postal Code
Send Message
CLOSE
Custom investment amount of your choosing
Amount
*
USD
How would you like to receive your custom quote?
Email
Address
Phone
Please complete the below information for you custom quote.
First Name
Last Name
Email Address
*
DOB
*
Month
*
Day
*
Year
*
Phone
Best Time to Call
Address
City
State/Province
*
Required for state licensing
ZIP / Postal Code
Send Message
CLOSE
Custom investment amount of your choosing
Amount
*
USD
How would you like to receive your custom quote?
Email
Address
Phone
Please complete the below information for you custom quote.
First Name
Last Name
Email Address
*
DOB
*
Month
*
Day
*
Year
*
Phone
Best Time to Call
Address
City
State/Province
*
Required for state licensing
ZIP / Postal Code
Send Message
CLOSE
Custom investment amount of your choosing
Amount
*
USD
How would you like to receive your custom quote?
Email
Address
Phone
Please complete the below information for you custom quote.
First Name
Last Name
Email Address
*
DOB
*
Month
*
Day
*
Year
*
Phone
Best Time to Call
Address
City
State/Province
*
Required for state licensing
ZIP / Postal Code
Send Message
CLOSE
Scroll to Top