Financial literacy should be a required class in school—but for most people, it never was. And because of that gap, many of us are fumbling through adulthood, reacting to financial crises instead of preparing for them.

Graduation caps have flown, and suddenly, it hits you: adulthood is here. There are crucial things about turning 18 that don’t get talked about enough – and they can have a big impact on your future (and your parents, too).

Just hearing the words family meeting can make you cringe, right? They’re usually called in response to conflict or to address topics no one really wants to talk about.

The source of stress for many busy individuals is a lack of time, leading to burnout and health issues. Instead of focusing on how to find more time, individuals should identify who can help them delegate tasks and responsibilities.

Many parents consider gifting significant assets like land, money, or business interests to their children as they age, but often do so without seeking comprehensive advice, which can lead to costly mistakes.

Retirement requires intentional planning not only financially but also in terms of physical, spiritual, intellectual, and social purpose to avoid depression and health issues.

Opportunities are found more times than not during a crisis. Although we can’t rely on the financial markets to always do what they have done in the past, we know that buying low or buying fear, as Warren Buffet calls it, has proven to be a pretty successful strategy.

Emotionally and unconsciously, we are always thinking of reasons not to invest in the stock market. Is there fear today? Absolutely! Just think: What would Warren do?

Your estate plan is about one thing. It is about saying “I love you” to the people you leave behind. So, take the time, use the tool as a launchpad, and let us help you say that to your loved ones in the best way possible.