There are certain points in our lives when financial decisions become extremely important and increasingly complex. It is at times like these that you will most value having a professional financial planner on your team to help you sort through your options and make good decisions. We have identified some of those times and created client profiles or tracks to help you identify some of the issues you might be facing. If you recognize yourself in one of the client tracks below, please click through to the more detailed descriptions.

	Accumulation
	Transition
	Perpetual Paycheck
	Legacy Building
	Contemporary Lifestyles

	Are taxes a big issue for you?
	Are you concerned about paying for higher education, either your own or your child's?
	Have you recently received a sizeable inheritance?
	Do you wish your savings were automatically invested appropriately?
	Have you made adequate guardianship and estate plans?

Take a look at the Accumulation Track

	Have you recently changed careers or stopped working?
	Have your life circumstances changed your financial picture?
	Are you now alone and concerned about financial security?
	Do you need solutions to difficult or confusing financial situations?
	Are you concerned about someone important in your life who seems to be losing their mental capacity?

Take a look at the Transition Track

	Do you need a retirement income other than social security?
	Do you need tax-efficient cash flow from your investment portfolio?
	Do you think you could retire early?
	Will you have the resources to enjoy a comfortable reirement lifestyle?

Take a look at the Perpetual Paycheck Track

	Do you want to provide a legacy for your family or community?
	Do you want to protect and pass on your assets?
	Do you want your heritage to include your priorities and values?
	Will your estate planning provide properly for your loves ones?

Take a look at the Legacy Building Track

	Are you a single parent, concerned about protecting and educating your children?
	Do you want to make sure that your significant other is protected, even if you were to die?
	Do you own property with someone other than a spouse?
	Do you worry about being fair to your new spouse and your adult children?
	Do you need to have a pre-nuptial agreement, but you're not sure how to start?
	Do you have a partner who is not qualified for health insurance under your company's plan?
	Do you want to make sure your non-spouse partner has the right to make health care decisions for you?

Take a look at the Contemporary Lifestyle Track

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