Life Phases

In your 40s or 50s, you’re likely benefiting from a solid career that does more than just pay the bills, allowing you to save for the future. This period is crucial for making significant progress toward your financial goals.

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Consider starting a Roth IRA. Funded with after-tax income, a Roth IRA grows and compounds over time. Because these accounts are funded with after-tax dollars, all future withdrawals are tax-free. You can also withdraw funds at any time, tax-free and penalty-free. Roth IRAs are especially beneficial for younger career builders who expect to be in a higher tax bracket at retirement. Early on, they won’t miss the initial tax deduction as much as those in higher income tax brackets.

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What if you became disabled and couldn’t work? The bills wouldn’t stop coming. Disability and Long-term Care Insurance can replace your income, ensuring your family remains financially stable. Additionally, life insurance can keep your family on track financially, even if you are no longer there to provide for them.

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Let us help you manage these crucial years of financial productivity and work toward the financial independence you seek.