Begin with the End in Mind

For some, financial freedom may mean continuing to work in a job they love or pursuing a passion through volunteering part time. For others, it could mean the freedom to spend their time with family or travelling and exploring the world. Wherever your journey takes you, it is important to think about what financial freedom looks like for you.

Next Steps

Once you have defined what financial freedom means to you, a financial professional can help you create a plan to pursue your goals. To help in that journey, we’ve provided resources to help you make the most out of your conversations with your financial professional.

Estimate Your Earnings and Expenses

After you’ve defined your goals and your plan, consider your future earnings and expenses. A clear estimate of income and expenses can help you understand how to optimize your plan.

Forecast Your Longevity

As Americans are living longer, they’re enjoying—and funding—more years of retirement. Estimating the length of your retirement is key to understand the earning and spending rates that make sense for you.

Evaluate Your Assets

After accumulating assets for most of your life, you can now shift your focus to planning for retirement.

Preparing for Taxes and Uncertainty

A comprehensive plan needs to address the impact of taxes in valuing your assets, and it should also plan for less predictable factors. Market volatility and unforeseen life events should be considered in your expense forecast.