Individuals & Families

Raleigh, NC Personal Finance & Family Financial Planning

Unless you start early, you might find that you are financially unprepared for your next stage in life. You will get older, your children will have growing needs, your expenses will rise and, before you know it, you will regret not planning for the future. Don’t wait until the last minute to get your investments in order.

Family and individual financial plans must be dynamic to reflect the changing economic environment as well as the stage of life that you are in. Yet very few people bother to review their financial situation as they move from one stage of life to another.

At RGA Investments, we recommend that you review your financial plan at least once a year to evaluate your level of risk and to take advantage of changing investment opportunities. Contact us today for a free portfolio review and financial consultation with Rick Gardner, our experienced Raleigh, N.C., financial advisor.

Creating a Personal or Family Financial Plan

Foundation goals should be given priority when creating a financial plan. Common foundation goals include:

  • Home purchase
  • Basic life insurance & health insurance
  • Emergency savings fund

Once your basic needs are met, you can start to think about your lifestyle goals. These goals are somewhat discretionary and can differ greatly from person to person, depending upon the type of lifestyle desired. Lifestyle goals are highly personal and are often dependent upon what dreams you have for yourself and your family.

Every stage of life has its own specific challenges and opportunities. Your financial plan will need to change and adapt to your unique situation. Select the stage below that most closely represents you to see a checklist of steps to consider when planning for your or your family’s financial future.

Ages 20-29 Years
Ages 30 to 39 Years
Ages 40 to 49 Years
Ages 50 to 59 Years
Ages 60 Years & Above
Contact us today for your free portfolio review