Navigate new responsibilities successfully | �۶��Ƶ United States of America

Whether you’re starting a family, expanding your career or caring for aging parents, you are likely getting more serious about money. You’re better at growing wealth and more eager to preserve it.��

You may be asking:

How should I save for my children’s college?

There are so many ways to save for education. Whichever path you choose, make sure it fits with your larger plan. Working with your �۶��Ƶ Advisor, you’ll explore:

Education planning
529 College Savings Plans
Coverdell Education Savings Accounts
Roth IRAs as a college fund

When should we buy a house?

Buying a home is likely your biggest financial purchase ever. Make sure your financing works with your long-term goals. A conversation with your �۶��Ƶ Advisor can help you understand the benefits and impact of:

Mortgage planning
Financial planning
Taxes
Securities-backed lending

How do I care for my parents and save for retirement?

“The squeezed generation” faces more challenges than ever. Fortunately, with guidance from a �۶��Ƶ Advisor, you can make a plan to pursue all your financial goals. Together, you can discuss:

Long-term care planning
Long-term insurance
Retirement planning
Investment Advisory Services

Situation:

Craig and Jill, a couple in their mid-40s, have a 6- and 4-year-old, and Craig’s elderly parents across town will soon be needing more care. Craig has a steady job in a publishing firm while Jill works from home as a freelance designer. At the same time, the couple is juggling buying a new home while saving for the children’s college.��

Solution:

To solve for these multiple challenges, the couple worked with their �۶��Ƶ Advisor to:

Create a Financial Goal Analysis (FGA) that spelled out exactly how much they needed, and when, to meet all their goals. Together, they made a financial plan.
Connect with a �۶��Ƶ Mortgage Banker to secure home financing aligned with their FGA
Start a 529 College Savings Plan to help fund their children’s education tax free

In order to protect their wealth and pay for the care of Craig’s parents, the Advisor helped them purchase long-term care insurance, giving Craig and Jill further confidence in being able to achieve all their financial goals.

Scenarios do not depict actual clients, but are typical situations of how �۶��Ƶ and its Advisors can improve the financial lives of �۶��Ƶ clients.

Insurance products are made available by �۶��Ƶ Financial Services Insurance Agency Inc. and by other insurance licensed subsidiaries of �۶��Ƶ Financial Services Inc. through third-party insurance companies unaffiliated with �۶��Ƶ Financial Services Inc.��

Long-term care insurance may have a number of particular exclusions, limitations, reduction in benefits or other terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, clients should contact their �۶��Ƶ Financial Advisor.

Financial Goal Analysis (FGA)

Get a clear dollar amount breakdown of what you need, and when you’ll need it, with a personalized FGA from your �۶��Ƶ Advisor.

529 College Savings Plan

Your �۶��Ƶ Advisor can help with education planning that leverages multiple levels of tax savings, both in the short- and long-term, for your child’s education.

Mortgage planning

To make sure your home purchase fits into your larger financial picture and get a competitive rate, your �۶��Ƶ Advisor can connect you with a �۶��Ƶ Mortgage Banker.