​Many of our clients have college age/young adult children over 18.  Even though that might not be the milestone they are most excited about (like the one that comes 3 years later!), it is a major milestone in the eyes of the law.  At that point our government considers them adults.  They can now:

+Vote
+Get married
+Join the Military (men have to register for selective service)
+Manage their own money
+Serve on a jury
+Sign a contract


On the other hand, parents are no longer able to:

-Access their medical information
-Make health care decisions
-Access their financial accounts (unless you have joint ownership)
-Access their school records (even though you may be paying)

​It is easy to get caught up in life and lose sight of the details.   We live busy lives.  Whether you are raising a family or approaching retirement, one can unintentionally veer off-track.  Often it is our financial health that can suffer. 

When the unexpected happens (which it often does) the impact can feel devastating.  Having a strong balance sheet can soften the blow.  Our personal balance sheet is a barometer of our financial strength and it also provides very important clues about risk and financial vulnerability.