Spring

Spring is an early transition in phase in life where one may be working, going through college, or starting a new career. This stage is an opportunity to learn and educate oneself on a broad range of financial concepts. These concepts include budgeting, investing, goal development, and debt management. Spring is the time when one can lay the foundation for a life of financial success.

Summer

As the spring stage begins to ease into summer, young adults may be ready for the next step in life. This could be having children, buying a home, or start saving for retirment. This new stage may include new insurances to protect our loved ones, tax and estate planning opportunities. A financial strategy can be implemented to track progress and help prepare for the new goals. 

FALL

The fall stage is marked as you start thinking about retirement. Whether planning for complete stoppage, just a reduction in work time, or even starting a new work adventure. Retirement plans and options are analyzed, monitored, and adjusted accordingly. Planning for an effective distribution strategy that helps minimize taxes. 

Winter

The winter stage is when we start to realize that there may be funds and assets left over that we do not need for your goals but will ultimately be passed on to others. Whether it be houses, cars, IRAs, Roth's, Annuities, Etc. This stage centers around family legacy planning, Charitable giving, beneficiary distributions and proper tax planning. Making sure that your situation not only minimizes taxes and risks for you during your lifetime, but after you are gone.