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Accumulation Phase (<40)

During this phase, individuals may find themselves starting their career, managing student loan debt, purchasing their first home, combining finances with a partner, and navigating the challenging of starting a family.

Financial Planning

  • Manage Debt
  • Understand Credit Score
  • Establish Emergency Fund
  • Establish Savings Plan

Retirement Planning

  • Fund Work Sponsored Plans
  • Fund Traditional/Roth IRAs
  • Fund Health Savings Accounts (HSA)

Insurance Planning

  • Insurance Needs Analysis
  • Reviewing Existing Life Insurance Policies

Education Planning

  • Education Funding
  • College Cost Projections

Estate Planning

  • Create an Estate Plan
  • Durable Power of Attorney for Financial Matters
  • Durable Health Care Power of Attorney
  • Living Will
  • Beneficiary Designations
  • Review Asset Titling

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