Divorce doesn't just split a household. It can unravel years of financial progress. Legal fees can climb fast, and for women, income often drops sharply.¹ Gray divorce? It's especially hard on retirement savings. While no one plans for it, revisiting your assets, beneficiaries, and timeline now can ease the blow later. Preparation turns disruption into direction.

An inheritance often shows up during heartbreak and without much warning. About two-thirds of high net worth parents with significant assets haven't told their kids what they'll inherit or if they'll inherit anything at all.² That lack of clarity can turn a windfall into a missed opportunity. Before making decisions, hit pause. Cover any tax needs, get clear on your goals, and move forward with intention. That's how you turn a tough moment into positive long-term impact.

Caring for a loved one is an act of devotion, but it often comes with hidden costs. Many family caregivers spend over $7,000 a year on out-of-pocket costs like prescriptions and home updates.³ A little planning can go a long way in easing the burden, so you're free to focus on what truly matters: showing up for the people who count on you.

Starting a new job can feel like progress, but it's also when financial details get overlooked. About one in three workers cash out their retirement accounts when leaving jobs, potentially taking a costly tax hit.⁴ Some skip benefit elections or miss health coverage gaps. The good news? A few proactive moves, like rolling over savings and reviewing benefits, can keep your momentum going.

Retirement is full of big decisions: when to claim Social Security, how to turn savings into income, what accounts to draw from first. One misstep could mean higher taxes or a shorter income runway. But a thoughtful strategy keeps you in control. Line up your timing, expenses, and income now so you can retire with confidence.