Services

Young family

You get home from work, your wife is tired, and the baby just spilled spaghetti all over the carpet. Your older child got suspended from school for cutting his friend’s hair. After dinner, you can barely think straight. Who has the time and energy to make critical decisions about their financial life?

Raising the next generation and working to support them is already a tall order. How can you make sure you are on the right track financially when you already have your hands full?

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Established Family

You are more experienced now, your bank account is larger, and it is easier to think further ahead. Paying next month’s bills is not as stressful as it used to be. However, while paying the mortgage might not keep you up at night, planning for the next few years might cause some tossing and turning.

How will you pay for your son’s private high school? Your daughter’s violin lessons are getting expensive too. What about your aging mother who may need to move in with you? And your spouse just told you they might lose their job.

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Retiree

During the last market downturn a few years ago, retirees who had all their assets in equities saw their nest egg shrink by almost 35% over a 12 month period. This is an absolute nightmare scenario for a retiree, and unfortunately, it was a reality for too many hard-working people.

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Starting Out

If you are just starting out, it’s easy to get off on the wrong foot. Being late for school will get you a detention, but being late for a bill will give you a much bigger headache.

Reaching adulthood means a lot of things: being able to sign contracts, voting, and getting tons of credit card offers in the mail. With minimum payments being as low as 1% of the total balance, it can seem like you have found the land of milk and honey once and for all.