Before you begin the trip of a lifetime, you plan for every detail. Your destination, the length of your trip, your budget, and the best route to arrive safely and on time are very important factors to consider. Unfortunately, many hazards, such as bad weather, traffic or car trouble can take you off course. Having a plan that is clear and concise, yet flexible, will help work towards a successful outcome.

The same approach is prudent as you begin or continue on your financial journey through life. You need to set a plan for your ultimate destination, but you should expect many complications along the way. Often, major events such as job changes, marriage, divorce, children, health problems or market volatility can derail your progress and make your financial goals seem out of reach.

That is where our team excels. We can be your chauffeur or simply your GPS, but with the help of our personalized Linea Roadmap® process, we will ensure that you are on track for your destination on your terms, not ours. Our team has nearly 80 years of combined experience guiding our clients through all of the hazards that can arise during their financial journey.

Where do you want your Linea Roadmap® to take you?

20’s & 30’s Mile Marker

• Pay off student debt
• Consider purchasing a home
• Save maximum possible in 401k and/or Roth IRA
• Lock in 30 year term life insurance coverage
• Build emergency cash level
• Obtain disability insurance
• Invest in aggressive growth portfolio

40’s Mile Marker

• Focus on paying down/off consumer debt
• Consider starting 529 plan(s) for education
• Get wills and other estate planning documents put in force
• Evaluate insurance coverages and amounts
• Invest in aggressive growth portfolio
• Live within your means
• Max out retirement plans
• Consider funding an HSA account(s)
• Make sure your emergency reserves are adequate

50’s Mile Marker

• Update wills and estate planning documents
• Consider a comprehensive financial plan
• Focus on debt reductions over maximum savings
• Eliminate unnecessary life insurance coverage
• Consider funding an HSA account
• Reduce portfolio risk
• Review beneficiary designations
• Consider long-term care, based on health/family history

60’s Mile Marker

• Update wills and estate planning documents
• Consider applying for homestead exemptions for county school tax savings
• Review beneficiary designations & titling to coordinate with estate plans
• Evaluate social security strategies
• Obtain long-term care coverage
• Focus on developing retirement plans
• Evaluate health care options to bridge to Medicare
• Shift portfolio to distribution portfolio
• Manage portfolio to mitigate taxable income
• Eliminate unnecessary life insurance coverage

70’s Mile Marker

• Update wills and estate planning documents
• Reduce portfolio risk
• Consider gifting strategies
• Manage portfolio to optimize taxable income
• Review long-term care policy and remaining insurance coverage
• Review beneficiaries and titling to coordinate estate plans
• Add trusted contacts for all accounts

80’s + Legacy Mile Marker

• Update estate plans
• Consider gifting strategies
• Consider RMD strategies to maximize wealth transfer
• Make sure final arrangements are in place and communicated to family
• Have family members involved in advisor meetings when possible