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Most people have insurance, so this is an easy place to start. First, think about what kind of insurance you have right now: car and health insurance are two pretty common ones, for example. Second, consider where the insurance payments come from. What does your employer provide? What do you pay for on your own? Is there insurance you’d like to get but you currently don’t have?
*Note: While we will discuss insurance, Mosaic does not sell insurance.
Another familiar topic! As you know, there are a lot of moving pieces when it comes to taxes, and it’s important to get the details right. When it comes time to file or fill out a new W-2, we’ll help you think through the big questions. Do you receive a 1099 or a 1040 every January? Do you own a business? Are you married or single? How many dependents do you have?
Investing can be a useful tool in financial planning if you’re looking at mid or long-term goals. Want to buy a home in 5 or 10 years? Investing might be right for you because it’s okay if your funds are tied up for a while. Planning a wedding in two months? You’ll likely need cash handy for important purchases. You’ll also want to think about how comfortable you are with risk: how will you diversify across the types and locations of investments? Stocks can fluctuate, while bonds generate a more fixed interest.
Most important? Remember that investing is just one small piece of the picture. Reacting to current market conditions may lead to making poor investment decisions. Decisions should be made pragmatically, not from emotion or fear—and that’s where Mosaic can help! We offer expertise and guidance to help you focus on valuable actions.
Until we find the Fountain of Youth, planning for the end of life gives you the ability to leave the legacy you choose. For yourself, it’s important to think about health care directives, while beneficiary, wills, and guardianships designations help protect and support those you love. Establishing larger philanthropic goals allow you to support the charities of your choice.
*Note: This is another topic we’ll discuss over coffee and conversion, but Mosaic can only assist with the charitable giving portion of estate planning.
Mosaic Financial Solutions provides younger generations with the education and tools to start planning their financial futures.
