Financial First Aid

If you lose your job, file for unemployment benefits, even if you only expect to be out of work for a short period of time.

By reviewing your expenditures for the last 12 months, you can get an honest picture of your true spending behavior - and then make any necessary changes.

If a disaster was to strike your family or community, are you prepared to face those challenges?

If your assets have become substantial enough to raise concerns about proper management, it's the perfect time to check with a planner.

Conventional wisdom suggests you save money for long-term goals like retirement and homeownership, short-term emergencies and that you spend what you have left wisely.