Life Changes

Financial Strategies for Major Life Changes and Circumstances

We 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.

UNPLANNED LIFE EVENTS:

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

“I was able to make a career change at 42, with a wife and two small children, and take like a $20,000 hit a year with Jim and Cyndi’s help because they were able to make sure that my family would be financially sound to do it.” -James K. 

“I was getting married, so my future husband and I were joining. We wanted to be able to see everything together in one place. I find Topsfield Financial Group’s customer portal to be very reassuring, to be able to look at all of our assets and see all of the numbers together.” -Laura K.

“With my parents, they were right there to help get them set up and make the best of a bad situation. My dad got sick and had a very short window and he was no longer mobile. I called Jim and within a week, Jim was at my parent’s house with me, sitting in my parent’s bedroom, talking to my father, advising what we can do, how we should do it and how quickly to move. Then when he passed, Jim was there to help my mother. That’s not your typical, or really any, business relationship anymore. You know, for someone to make a house call like that.” – Robin M.

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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Topsfield, MA 01983
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Advisory services offered through Novem Group, SEC-Registered Investment Advisers. Securities offered through Osaic Wealth, Inc.  Member FINRA, SIPC.  Topsfield Financial Group, Novem Group, and Osaic are unaffiliated entities.  Please refer to your representative’s FINRA BrokerCheck for firm affiliations. Any opinions expressed in this forum are not the opinion or view of Topsfield Financial Group, Novem Group, or Osaic and have not been reviewed for completeness or accuracy. Information has been obtained from sources believed to be reliable and are subject to change without notification. Any comments or postings are for informational purposes only and do not constitute an offer or a recommendation to buy or sell securities or other financial instruments. Readers should conduct their own review and exercise judgment prior to investing. Investments are not guaranteed, involve risk, may result in a loss of principal, and are not suitable for all types of investors. Past performance does not guarantee future results.