Life Events & Transitions
Support and structure when life changes your financial picture
Major life events can create both challenges and opportunities for your finances. We help you pause, reassess, and reshape your plan so you can move forward with clarity and confidence after any transition.
Explore Planning Support for Major Life Events
Compassionate, Practical Guidance Through Change
Life transitions — whether expected or unexpected — can quickly alter your financial landscape. The pages below provide deeper guidance for some of the most significant events that often require a fresh look at your plan.
Divorce Financial Planning
This page covers asset division, support obligations, and rebuilding an independent financial foundation after separation. It explains how careful planning can help you seek a fair settlement and design a sustainable path forward.
Financial Planning for Widows & Widowers
Learn how to address urgent tasks, survivor benefits, and long-term adjustments after the loss of a spouse. This resource focuses on compassionate, step-by-step support to protect your financial security during a difficult time.
Real Estate Investment Analysis & Consulting
Explore how property purchases, sales, or inherited real estate affect your overall plan. This page helps you evaluate cash flow, tax considerations, and whether a real estate decision supports your long-term goals.
Navigating Financial Change
Turning Life’s Transitions Into Thoughtful, Informed Decisions
Significant life events — such as divorce, loss of a spouse, inheritance, job changes, or major health shifts — can disrupt even a well-built plan. In these moments, the most important step is often to pause before making big financial moves. We help you understand what has changed, which decisions are urgent, and which can wait until emotions settle. From there, we redesign your financial roadmap to reflect new realities, responsibilities, and opportunities. By treating your plan as a living document, we make sure it continues to serve you well through every transition.
Common Questions About Life Event Planning
Your Financial Transition Questions, Answered
What should I do financially after a major life change?
After a major life event, the first step is to stabilize your immediate situation — ensuring bills are paid, essential protections remain in place, and deadlines are not missed. Next, we help you gather key documents and understand how the event affects income, expenses, and long-term goals. It’s important not to rush into large, irreversible decisions such as selling a home or radically changing investments. With a clear, step-by-step plan, you can move from reaction to intentional, informed choices.
How can a financial advisor help during a divorce?
During divorce, a financial advisor helps you understand the long-term impact of different settlement options, not just the immediate numbers. We analyze assets, debts, retirement accounts, and cash flow needs to support a fair and sustainable outcome. We can also help you build a new budget and plan for life after the divorce, including housing, insurance, and future goals. Having a financial partner involved early can prevent oversights and support better decisions during an emotional time.
What should I focus on financially after losing a spouse?
After losing a spouse, there are both urgent and longer-term financial tasks to address. Initially, we help you navigate life insurance claims, survivor benefits, and ensuring everyday expenses are covered. Over time, we review your investment strategy, income sources, housing situation, and estate documents to reflect your new reality. Compassionate guidance helps you move at a manageable pace while protecting your financial security.
How should I handle an inheritance or sudden windfall?
When you receive a significant inheritance or windfall, it’s often wise to pause and avoid quick, emotional decisions. Parking funds in conservative accounts for a period can provide space to think clearly. We then help you evaluate tax implications, integrate the new assets into your overall plan, and identify how they can support your long-term goals. This structured approach helps turn a one-time event into lasting security and impact.
Do I need to update my financial plan after a job change or relocation?
Yes — changes in income, benefits, cost of living, or tax environment can all affect your financial strategy. After a job change, we review retirement plans, stock options, and new compensation structures to ensure nothing falls through the cracks. Relocation may also require revisiting housing costs, state taxes, and insurance needs. Updating your plan after these events keeps your financial roadmap aligned with how your life actually looks today.
