Risk Management Reviewing Health Savings Account contributions Spending any remaining balances in Flexible Spending Accounts Reviewing existing life and disability income insurance policies and coverage amounts Reviewing assisted living needs for a parent or other family member Reviewing any long-term care needs If you lost your job or became disabled, how would you pay your bills? If something were to happen to you, would your spouse be able to remain in your home? Would your children be able to afford college? Under extraordinary circumstances, the best of intentions can be swept away. A financial planner can analyze your situation and help you find ways to protect your income and assets at every stage of your life. Your financial planner can help ensure that you and your loved ones can keep doing what you originally planned, no matter what surprises life has in store.