Life can change quite suddenly and unexpectedly.  Decision-making during these stressful and vulnerable times can be difficult and many times the decisions required can have far–reaching impact.  The key is knowing the issues and having a plan in place before the unexpected happens.  This guide helps consumers understand the issues as they prepare to work with their advisors.

Who should read this Guide?
If you fall into one of the following groups, you will particularly benefit from this guide:

·    We are part of the sandwich generation – juggling both older parents 

   and children

·   We are pursuing an active retirement lifestyle

·    We have a young family and are concerned about planning for the

   unexpected