Planning Basics

The cornerstone of financial independence is a carefully thought-out plan with specific goals and the funding to help met them.


Insurance is about protecting what’s important to you, both personal and business, against the unexpected.  It is used as a funding vehicle for your plan.  Any time you have significant events or changes in your life, it's time to review and update your coverage.

Here are some examples:

  »  A new job or starting a business
  »  Selling or transitioning your business
  »  Buying a home
  »  Changes in your income
  »  A change in marital status
  »  A new baby
  »  Approaching retirement
  »  New drivers in your household
  »  Kids going away to college
  »  Paying off a car loan
  »  Moving to a new apartment
  »  Home improvements
  »  Purchasing jewelry, antiques, computer equipment or other expensive items

For more details, here's a Life Stages and Event Inventory checklist.


Shane Quintana, LUTCF
Business and Estate Planning Specialist

Donna Quintana, RHU
Employee Benefits and Health Insurance Specialist


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