• Caring for children or aging loved ones
• Saving enough for retirement
• Being tax smart 

• Revisiting feasibility of funding your lifestyle in retirement
• Evaluating changing cost of healthcare and long term care 

• Switching from accumulating assets to needing income replacement 

Build positive money habits early

• Pay down debt
• Build an emergency fund
• Learn about retirement account options & investment types
• Automate retirement contributions

• Consider the importance of tax diversification
• Think in terms of percentage of setting aside money
• Evaluate changing insurance needs
• Consider the expense required to care for an aging loved one

• Tax plan: What will your income sources be? Prepare for tax impacts
• Prepare for higher health care expenses in retirement

Monetize assets to ensure a sustainable, tax efficient income stream

• Evaluate income options from employer retirement, being mindful of tax laws
• Develop a post-career identity: What do you want to do with your time?

Review and update estate documents

• Engage trusted loved ones in estate, charitable giving goals, and end of life planning