3 Things 9-22-25

 Thing One

 Who Needs A Financial Advisor And Why

Planning for RetirementAs retirement approaches, financial decisions become more complex. Questions about when to claim Social Security, how to draw from savings, and how to keep income lasting for life can feel overwhelming. A financial advisor can design a tax-smart withdrawal plan and align investments with your long-term needs.

Managing Wealth or Complex FinancesThose with significant assets, multiple income sources, or a business often face financial challenges that go beyond basic budgeting. A professional advisor helps coordinate investments, taxes, insurance, and estate planning—reducing risks and avoiding costly mistakes. Even financially savvy people benefit from an outside expert’s perspective.

Navigating Major Life ChangesMarriage, divorce, inheritance, or selling a business can all dramatically shift your financial situation. An advisor helps you understand the impact, protect your assets, and build a new plan suited to your life stage and goals.

Building Wealth EarlyIt’s not just for the wealthy—young professionals also gain an advantage by working with an advisor. Setting goals early, creating disciplined savings habits, and optimizing retirement accounts allows compounding to work harder for you over time.

Accountability and Peace of MindKnowing what to do and staying consistent are two different things. Advisors provide accountability, adjust strategies as markets and life change, and give you confidence that you’re on the right track. That peace of mind is often the greatest value.

Red Flag Signs You Should Consider an Advisor

• You’re nearing retirement and aren’t sure if you’ll have enough saved.

• You’ve received a windfall (inheritance, settlement, or business sale).

• You carry significant debt or have complicated finances.

• You have investments but no clear strategy.

• You’ve experienced a major life change (marriage, divorce, new baby, loss of a spouse).

• You’re worried about taxes, estate planning, or leaving money to heirs.

• You want peace of mind knowing a professional has your back. 

Thing Two  

Why You Shouldn’t Rely Only On Your Job For Life Insurance

Employer-provided insurance is a great benefit, but it was never designed to cover every stage of your life or every financial need. Too often, people discover this the hard way—when a job change, health scare, or unexpected event reveals just how limited workplace coverage can be. That’s why it’s smart to think beyond the office and consider your own individual policies.

Independent insurance gives you portability. If you change jobs, retire, or face a layoff, your work benefits may vanish overnight. With your own policy, you remain covered no matter what career path you take. It also gives you customization, since employer plans are usually one-size-fits-all. A personal plan lets you set coverage amounts and add features that match your specific goals and family needs.

There’s also cost control to think about. Personal policies often lock in your premium when you buy, protecting you from rising costs. Employer coverage, however, can change or even disappear if your company switches providers or reduces benefits. And don’t forget about coverage gaps—work policies tend to be bare bones, leaving big holes in areas like life insurance and disability coverage. A personal policy helps fill those holes.

Most importantly, individual coverage provides long-term security. Unlike work-based insurance, it follows you through every stage of life, giving you consistency and peace of mind whether you’re working, in transition, or retired.

The Bottom Line

Your job may provide benefits, but your financial protection shouldn’t depend on your employer. By adding your own insurance, you take control of your future, safeguard your family, and build lasting security. If you’re unsure where to start, talk with a licensed insurance advisor—they can help you evaluate your needs and find the right coverage for lasting peace of mind.

Thing Three

Just A Thought  

“I have never understood why it is ‘greed’ to want to keep the money you have earned but not greed to want to take somebody else’s money.” - Thomas Sowell