You get some extra cash (accumulated savings, windfall, inheritance, house sale/downsize) and immediately start playing mental gymnastics. Should it go toward debt, savings, or fun? And if you choose savings, you're left wondering if you're investing it in the most effective way.  

 

You aren’t really clear on how much you actually need to save, by when and how the income streams you’re building will come together in retirement. You also want to live along the way and aren’t sure you’re planning enough for those shorter term financial goals as well. 

 

Your employer offers a strong pension but you don’t really understand how it works, if it’ll be enough, how you choose an option or what you need to consider in preparation for receiving it. 

 

You worry about other people in your life, maybe your child or parent, and want to make sure you’re doing enough for them. Maybe you’re afraid that helping them financially will impact your ability to achieve your own goals. 

 

You aren’t certain your family is adequately protected should anything happen to you. 

 

You find it relatively easy to stay on track when markets are up but you could use a bit of extra support to keep you on track when markets are rocky. You feel like a clear plan and understanding of your investments, paired with a coach, would ease your mind.