Reflect on your values, priorities, and establish good habits.

• Optimize employer benefits
• Budget income and expenses
• Improve credit
• Pay off student debt
• Build emergency savings
• Fund long-term investment strategy

As financial complexity increases, so does the potential for making mistakes and missing opportunities.

• Analyze cash flow and liquidity
• Plan tax liabilities
• Manage risks (e.g., review insurance)
• Plan for retirement
• Prepare estate documents
• Fund education
• Strategize stock options
• Proactively manage portfolios

Thoughtfully transitioning into retirement can have the greatest impact on your future quality of life.

• Maximize peak earnings
• Generate lifetime income
• Budget health and long-term care
• Plan tax liabilities
• Plan legacy gifts
• Establish trusts
• Set up donor-advised fund accounts
• Proactively manage portfolios

Robust financial security analyses can increase spending confidence in retirement.

• Maximize Social Security and Medicare
• Plan income sources and RMDs
• Minimize tax liabilities
• Codify legacy goals
• Fund trusts and make planned gifts
• Proactively manage portfolios

Money is a tool that can be harnessed to pass on your values. Generally, the bigger the inheritance, the more preparation is needed.

• Revisit estate documents
• Finalize tax-efficient wealth transfer
• Prepare heirs