Life Events: Be Decision-Ready When the Time Comes

Some of life’s big moments are exciting. Some, not so much. But they all can affect your financial plan.

Financial Planning Resources for Life Events

Whatever life event may be around the corner, whether it’s planned or not, use the articles in this section to help you navigate it smartly, smoothly, and successfully. 

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Sabbatical Budgeting: Protect Your Financial Goals

| LPL Financial

From live inheritances to trust funding, this article explains how securities-backed lending helps affluent families fund gifts without selling investments — discover how liquidity planning can reshape your family's financial legacy.

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Securities-Backed Lending for Smarter Intergenerational Gifting

| Tara Popernik, CFA®, CFP®

From live inheritances to trust funding, this article explains how securities-backed lending helps affluent families fund gifts without selling investments — discover how liquidity planning can reshape your family's financial legacy.

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Evaluating Disability Coverage Before Your Open Enrollment

| LPL Financial

Open Enrollment is your annual window to assess disability coverage. Explore how tax treatment, income caps, and policy definitions shape your financial security.

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Starting a Business Without Disrupting Your Finances

| LPL Financial

Starting a business while protecting your financial plan takes more than good timing. Find out how to approach structure, funding, and planning decisions with your full financial picture in mind.

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Prenuptial & Postnuptial Agreements for the Already Wealthy

When you envision your financial future, protecting your hard-earned legacy is paramount. Discover how prenuptial and postnuptial agreements offer affluent investors a collaborative foundation for long-term wealth preservation and transparency.

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2026 College Costs: Strategic Savings & Funding

How much does college cost? It's the question parents lose sleep over. With rising tuition making headlines, it's easy to feel overwhelmed. Good news: smart planning and understanding real costs help you prepare without sacrificing your family's other financial goals.

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Beneficiary & Executor Guide After a Loved One Passes

After a loved one's death, beneficiaries and executors face unfamiliar responsibilities. This guide covers essential steps — from notifying institutions to understanding account transfers and probate — and what needs immediate attention.

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Key Financial Steps to Take in Divorce Planning

Divorce involves more than emotional decisions — it requires careful financial planning. Explore what to organize, update, and consider to protect your financial future.

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Emergency Fund Strategies for Your Financial Stability

Learn how to build and manage an emergency fund that protects your finances from unexpected expenses and supports your long-term financial goals.

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Should I Pay Extra on My Mortgage or Invest?

The decision to pay off your mortgage early or invest extra cash is a financial crossroads many homeowners face. Learn about the pros and cons of both options and what to consider when choosing.

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Life Events FAQs

You should review your financial goals anytime there’s a significant change in your income, expenses, family, or health status. Be sure to consider updates that may be needed to your emergency fund levels, insurance needs, budget, retirement contributions, and estate documents.

Common events that may cause you to reassess your longer-term financial plans include marriage, birth of a child, a job change, divorce, family health needs, buying a home, and receiving an inheritance.

It depends on the situation, and it’s not always clear-cut. Professional guidance from a financial advisor can help balance both. The best approach is to be prepared for planned or unplanned life events by managing debt and having an emergency fund and some assets that are more liquid.

Should I Refinance My Mortgage?

Use LPL Financial’s calculator to weigh interest savings, payment changes, and your long-term financial goals.

Learn more

Retirement Planning Strategies, Tools, and Guidance

Retirement isn’t a single event — it’s a journey that requires thoughtful preparation. 

Learn More

Self-Directed Investing vs Hiring a Financial Advisor

Learn when do-it-yourself (DIY) investing works — and when expert support may be the smarter long-term move.

Learn More

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