Life Stages

Stage One – Ages 30 – 55 (Accumulation Stage)

Need for Portfolio growth

  • Saving for retirement, major purchases, children’s educations
  • Protection needs for family and income
  • Cash and Credit Management and Debt Reduction

Stage Two – Ages 55 – 65 (Pre-retirement Stage)

Need for more Conservative Portfolios

  • Saving for Retirement
  • Start on Estate Planning and Health Issues
  • Cash and Credit Management
  • Savings rates

Stage Three – Ages 65 plus (Income Stage)

Need to maximize after tax income

  • Spending not Saving priority
  • Estate Issues to be addressed
  • Health Issues to be Addressed
  • Cash and Credit Management