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Where will your Linea Roadmap® take you?

We'd like to think that life is linear, where we smoothly ride through the various milestones, from one stage of life to the next.  However, our paths rarely follow simple, straight lines. Instead, we take unexpected twists and turns that can result in opportunities and triumphs, as well as challenges and setbacks. 

Your Linea Roadmap® helps prepare you for a smoother ride and to navigate through the unexpected detours and forks in the road that life brings.  


Our personalized Linea roadmap® process forms the foundation of our holistic approach to helping you manage a lifetime of wealth. It begins with a simple discussion about your life, your family, your aspirations and challenges. From there, we:

  • Guide you through a process demonstrating strategies that can best help you pursue your goals. 
  • Make recommendations based on your needs, time frame, lifestyle goals and a broad range of other quantitative and qualitative criteria.
  • Implement and monitor your progress with your goals, meeting at least annually to discuss changes in your plan, circumstances and the financial markets.

As you advance through each stage of life, from building a career or business, to raising a family, to preparing for retirement and solidifying your legacy, your Linea roadmap® provides a structured path forward with the flexibility to accommodate change at every stage of your life. It helps connect the dots—from one mile marker to the next—for a clear understanding of how each financial decision you make supports (or detracts) from your ability to accomplish your goals within the time frame you determine.

Tracking # 1-923749

20's-30's Mile Marker

  • Pay off student debt
  • Consider purchasing a home
  • Save maximum possible in 401k and/or Roth IRA
  • More

Major Life Changes

  • Marriage/Divorce
  • Job Changes
  • Children
  • Medical

40's

40's Mile Marker

  • Focus on paying down/off consumer debt
  • Consider starting 529 plan(s) for education
  • Review/Update will and other estate planning documents put in force
  • More

50's

50's Mile Marker

  • Update wills and estate planning documents
  • Consider a comprehensive financial plan
  • Review beneficiary designations
  • More

60's

60's Mile Marker

  • Evaluate social security strategies
  • Focus on developing retirement plans
  • Manage portfolio to mitigate taxable income
  • More

70's Mile Marker

  • Update wills and estate planning documents
  • Consider gifting strategies
  • Review long-term care policy and remaining insurance coverages
  • More

80's+ Mile Marker

  • Consider gifting strategies
  • Consider RMD strategies to maximize wealth transfer
  • Have family members involved in Advisor meeting when possible
  • More
Linea Private Wealth Management, IFG Advisory, and LPL Financial do not provide tax and/or legal advice. Clients should consult with their personal tax and/or legal advisors regarding their personal circumstances. Securities offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC. Advisory Services offered through IFG Advisory, LLC, a registered investment advisor. IFG Advisory, LLC, and Linea Private Wealth Management are separate entities from LPL Financial. 

20’s & 30’s Mile Marker

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

40’s Mile Marker

  • Focus on paying down/off consumer debt
  • Consider starting 529 plan(s) for education
  • Review/Update will and other estate planning documents
  • 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
  • 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 insurance

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/maintain long-term care coverage
  • Terminate long term disability 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/transfer 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
  • Consider Family Legacy planning
  • Prepare family members to handle the family wealth

80’s + Legacy Mile Marker

  • Update estate plans
  • Consider gifting/transfer 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
  • Prepare family members to handle the family wealth