What are the three stages in your financial life? The first stage is preparing for life’s uncertainties. The second stage is managing your net worth and the third stage is managing retirement and your estate. The base of the pyramid is preparing for life’s uncertainties. Insurance is the most cost-effective way to deal with this. Insurance can include life and health insurance, disability insurance, long-term care insurance, home and auto insurance and insurance against other perils.

Adequate liquidity in your investments or in cash to cover emergencies along with a will is important. The next level involves managing your money. Investment strategies should include diversification and risk management. The best option is to review you goals with a professional.

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