Financial Planning Tools & Life-Stage Guides

2026 Tax Strategy Playbook

Key tax moves for Nevada households before and after each year-end: contribution sequencing, Roth conversion windows, charitable bunching, and tax-location discipline. Designed for households with $75K–$300K in income navigating a changing tax landscape.

Young Professional Wealth Blueprint

For professionals in their 20s and 30s: how to sequence emergency savings, disability coverage, retirement contributions, and life insurance on a budget that's still growing. Prioritize the decisions with the highest consequence first.

Family Protection Guide

For new and growing families: the income protection baseline, the right life insurance structure for a two-parent or single-income household, beneficiary fundamentals, and the education-funding decisions that interact with your other financial goals.

Retirement Readiness Checklist

For those within 10–15 years of retirement: a decision-by-decision checklist covering withdrawal sequencing, Social Security timing, long-term care planning, and the critical coverage gaps that emerge as earned income declines.

Your 20s: Build the Foundation

• Establish an emergency fund covering 3–6 months of expenses before other goals compete for those dollars.
• Start retirement contributions early, even small amounts benefit from decades of compounding.
• Lock in disability income coverage while you're young and healthy; premiums are lowest now.
• Get a baseline life insurance policy if anyone depends on your income or you carry shared debt.

Your 30s: Protect What You're Building

• Run a full coverage audit, marriage, children, and a mortgage each create new financial exposure that existing coverage may not address.
• Upgrade or right-size life insurance to account for household income, outstanding debt, and childcare costs.
• Balance debt paydown with continued retirement savings, don't let one crowd out the other entirely.
• Consider tax-advantaged education savings if children are part of your plan.

Your 40s: Optimize and Accelerate

• Maximize retirement contributions, take advantage of higher contribution limits and any available catch-up provisions as you approach 50.
• Review your retirement projection with current numbers and adjust your savings rate if the gap has widened.
• Begin exploring long-term care planning, the 40s are often the most cost-effective window to lock in coverage.
• Review tax location: are the right assets in the right account types to minimize lifetime tax drag?

Your 50s: Sequence and Prepare

• Run a retirement income projection that accounts for Social Security timing, withdrawal sequencing, and tax impact across multiple income sources.
• Stress-test your plan against sequence-of-returns risk, what happens if markets drop in your first five years of retirement?
• Confirm long-term care coverage is in place before health changes make it unavailable or prohibitively expensive.
• Review legacy goals and beneficiary designations across all accounts and policies, ensure alignment with your current wishes.

The Young Family That Got Ahead of the Risk

A couple in their early 30s with two young children and a new mortgage assumed their employer life insurance was "enough." After running the What's at Risk calculator, they discovered their combined employer coverage was less than 2× their annual income, far short of what would be needed to maintain their household without one income. They secured a 20-year term policy for each spouse at low rates while both were healthy, added disability coverage, and updated their beneficiary designations for the first time since marriage. The total monthly cost was less than a car payment.

The Business Owner Who Protected His Income Stream

A self-employed contractor in his 40s had no disability coverage, he assumed he'd "work through" any health issue. A six-week recovery from surgery showed him how quickly fixed business costs accumulate without incoming revenue. He worked with Sasson to put in place own-occupation disability coverage calibrated to his actual income, a term policy sized to cover his business obligations, and a basic retirement accumulation strategy using tax-advantaged accounts available to the self-employed. The income continuity planning alone changed how confidently he approached his business decisions.

The Pre-Retiree Who Found the Gaps at the Right Time

A 57-year-old with a solid retirement account balance assumed she was on track, until a full planning review revealed three significant gaps: no long-term care coverage (making her self-insured against a potential $90K/year cost), a Social Security timing strategy that would leave nearly $80,000 in lifetime benefits on the table by claiming early, and a withdrawal sequence that would trigger unnecessary tax on her first decade of distributions. Each issue was addressable because she found them before they became crises. The review cost nothing; the adjustments were significant.