As you travel down the road of life, you will pass several milestones, each one marking your accomplishments and reminding you to take stock in your future. Remember to pause on your journey to re-evaluate your financial goals and make the necessary changes for you to achieve your objectives.

A Personal Needs Analysis will help you identify your financial goals and objectives, no matter what stage you are in your life:

New Job
Whether you’re starting out or moving on, a new job represents new opportunities. You work hard to earn your money; now make your money work hard for you.

 

What are your goals? 

It’s time to re-evaulate your total benefit package and fill any gaps with the products that will help you achieve your financial goals.

 

How can an OREI Associate help?

Discuss the impact your benefits package and salary will have on your goals. Will they need to change? Or will you need to own different products? It’s never too early to think about your retirement needs.  

 

Marriage
Even a small wedding can be a big undertaking. So why do so many couples stop preparing for the future after they say “I Do?” Communication is the key to a happy marriage and to a financially successful partnership?

 

What are your goals? 

Consider how you will merge your finances to benefit both of you and provide the security that will help you take care of each other. How can you maximize your income, minimize the impact of income taxes and work toward your mutual goals?

 

How can an OREI Associate help?

Discuss your new situation and how your goals have changed. Evaluate the level of income protection and life insurance you will need to maintain a rising standard of living.

 

New Home
A new home bring the thrill of ownership and the reality of a mortgage. If you share that responsibility with someone, would either of you have the means to carry on alone if something happened to the other?

 

What are your goals?

Now is the time to evaluate your situation to be sure your new ownership responsibilities are taken into consideration. You can take the steps to ensure that you will be secure in your house if anything were to happen to you, your income or your spouse.

 

How can an OREI Associate help?

Make sure that your home will always be your home. Discuss the best way to protect your investment and your ability to enjoy it.

 

Children
You want to give your kids the best life possible. The costs of the “good life” can be overwhelming. You can lay the groundwork for your children’s financial future while making sure that your financial needs are addressed as well.

 

What are your goals?

College, estate taxes, retirement. These events all seem so far off. If you put the right pieces in place, you will be better positioned to reach your family’s financial goals.

 

How can an OREI Associate help?

Help find out which financial products are the best fit for your income and tax bracket.

 

Single Adults

If you’ve never been married or are divorced or widowed, you have financial security needs. If you also have young children or parents who are relying on you, flying solo can mean twice as much thought.

 

What are your goals?

From taxes to income protection, you know that self-sufficiency is critical to maintaining your standard of living. Make sure that you take the steps necessary to protect yourself and any dependents from the possible loss of your income or health.

 

How can an OREI Associate help?

Make setting goals a priority. Help ensure that you maintain control of the choices available to you.

 

Retirement
What type of retirement have you envisioned for yourself? Do you have enough resources to fund the lifestyle you desire? Will you be able to support yourself and make your own choices if you become sick or disabled before or during your retirement?

 

What are your goals?

By building the reserves you need, you will alow yourself more flexibility after your last paycheck has been cashed. Think about the different vehicles available to you to help you save for your retirement.

 

How can an OREI Associate help?

Explain the options you have, depending on your income, lifestyle and objectives for your retirement. Help you stay on track for a retirement that is truly yours to enjoy.

 

Grandchildren
As a grandma or grandpa, you have the opportunity to have enormous influence on the next generation of your family. Your beliefs and your values are communicated through your words and your actions and can make a lasting impact on the lives of your grandchildren.

 

What are your goals?

Starting early can make a substantial difference. By providing education funds for your grandchildren, you can open doors for them far into the future. The efforts you make on their behalf may make the difference in your grandchildren getting an education at the college of their choice or even buying their first home.

 

How can an OREI Associate help?

Education funding and other savings options have changed substantially in the past few years. Help you learn more about the current options available to you and to determine which one is bet for your grandchildren’s situation.

 

Estate Analysis
They say you can’t take it with you, but you can decide how and to whom you leave it. Your legacy should be determined by the choices you make today, not by the random assignment of your estate after your death.

 

What are your goals?

The laws governing estate taxes are constantly changing. To maximize the potential of your estate, it’s important to consult with the experts who stay on top of current laws. These experts can help you direct your resources in a way that funds your legacy. If insurance is called for, the Network can help.

 

How can an OREI Associate help?

Help you learn more about the role life insurance can play. Help you keep your estate intact for your children or grandchildren or create a legacy that will reach beyond your own life time.