A wide range of moments — marriage, divorce, a new job, retirement, the loss of a spouse, an inheritance, even a child moving out on their own. These are the moments that often change your financial picture enough to be worth revisiting your plan, rather than assuming it still fits.

The sticker price and the monthly payment are only part of the picture — property taxes, insurance, maintenance, and how the purchase affects your broader savings and goals all matter too. It's worth running the full numbers before committing, not just the loan math.

It depends on how long you typically keep a vehicle, how many miles you drive, and whether you value predictable payments over ownership. Neither is universally right — it's a numbers-and-preference decision, not a rule.

Both can fund a child's future, but they work very differently, and 529 plans have become more popular for a reason. A 529 plan is built for education expenses, and you keep control of it indefinitely — the money never automatically transfers to the child, no matter their age. It's also more flexible than people expect: if one child doesn't end up needing the funds, the account can often be redirected to another family member instead, so the money doesn't go to waste. A UTMA account is more flexible in how the money can be used, but that flexibility comes with a catch many people don't realize until it's too late — once the child reaches the age of majority in their state (18 in most states, 21 in Georgia), they get full, unrestricted control of the account, for any purpose. It's worth understanding both trade-offs before choosing, not after.

Big life changes often ripple into areas people don't expect — a new job can mean revisiting your investment mix or your insurance coverage; retirement changes how and when you draw on savings; an inheritance can shift your whole tax picture. The point isn't to react to every single thing that comes up — it's to check in when something significant changes.

It’s a 30-minute conversation, by phone or Zoom — no cost, no obligation. This isn’t a review of your accounts, and I won’t tell you whether your current plan is sound; that’s not something a single call can honestly answer. We’ll talk about where you are and what you’re trying to accomplish, and I’ll share how I work, so we can both get a sense of whether it’s worth continuing the conversation. I won’t ask you to do business on this call — that comes later, if at all, and only after we’ve both had time to think it over. If it feels like a fit, the next step is a fuller first meeting where we go through your complete picture together.