Life Changes
Financial Strategies for Major Life Changes and CircumstancesWe all experience major life events that could benefit from professional financial guidance.
Life is full of surprises. Sometimes they’re pleasant and exciting — but other times they cause instant financial stress and anxiety. During these life events, you may need to change the way you think about and handle your money or manage risk.
Working with a caring financial advisor can bring you more peace of mind in these challenging times. Here are a few of the biggest and most common scenarios our clients encounter.
RETIREMENT
Are you prepared to enjoy your life after work? You deserve a break, but longevity risk is real — and so is inflation. Having a plan is essential.
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COLLEGE PLANNING
Preparing for college is on the minds of many parents. What’s the best way to pay for it?
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MARRIAGE OR DIVORCE
Are you thinking about getting married? Or maybe divorced?
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JOB RELATED
If you are considering or experiencing a change in your career, we’re here to help.
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PROPERTY: BUYING, SELLING, INHERITING or INSURING
Buying, selling or inheriting property can get complicated. We can help you cover your bases.
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UNPLANNED EVENTS
Unplanned events require an understanding of risk and preparing to manage it.
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COLLEGE EVENTS:
Which type of college makes sense? What about financial aid or loans? Going to college can be expensive, so knowing how best to pay and save for it is essential. At Topsfield Financial Group, if we find that 529 college savings plans are appropriate for you, we help our clients to set them up at no extra cost.
MARRIAGE OR DIVORCE EVENTS:
Preparing for a life together (or apart) presents many financial issues and considerations, so it’s crucial to plan for the future. At Topsfield Financial Group, we care about knowing every detail of your situation, so we aim to become active members (if not the quarterbacks) of your trusted circle of advisors, liaising alongside your attorney, accountant and insurance professional.
JOB RELATED EVENTS:
We can ensure you make the most of your employer’s benefits or help you select the best investment choices for your retirement plan or make after-tax savings through Roth options. Company-owned stock options are another tricky area, but we can talk you through it and help you manage concentration risk, tax issues, and more.
PROPERTY RELATED EVENTS:
We can help you recognize the impact of capital gains and income tax while owning or selling a property, Holistic wealth planning also includes understanding the role of property insurance, risk management, and cashflow.
You may find yourself needing to make challenging financial decisions during times of illness, hospitalization, or the loss of a loved one. These unplanned events can have deep and far-reaching impacts — not just on your life, but on your finances. We’re here to help you prepare for the unknown and ease your burden during these times.
We’re Here For You
We walk shoulder to shoulder with our clients through life’s happiest and sometimes most difficult moments.
The Topsfield Financial Group team is made up of educators and nurturers at heart. Our greatest desire is to help as many people as possible experience the power of pairing a solid personal financial plan with smart portfolio management.
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