A LASTING FOUNDATION
Your guide to
building a legacy.
Five chapters on the habits, protection and conversations behind generational wealth. Read at your own pace.
A lasting
foundation.
For what you pass on.
Also included, free.
Your generational wealth guide.
ROOTED IN TODAY. OPEN TO TOMORROW.YOUR FREE GUIDE
A starting point.
Something to build on.
Start with whichever chapter feels most useful. Keep your notes for yourself.
This guide organizes educational topics around your interests. It is not a financial assessment or personalized investment, tax, legal or insurance advice. No wealth, returns or coverage is promised.
01 / A steady foundation
Make room for the everyday.
A clear view of income, recurring expenses and debt is a useful starting point. Setting money aside for unexpected costs can help keep an emergency from becoming new debt.
On a private sheet of paper, list regular income, essential bills, debt payments and what you currently set aside. Pick one habit to review.
What would make our month-to-month finances feel more manageable?
Investor.gov: building wealth over time (opens in a new tab)02 / Long-term thinking
Give your goals time.
Consistent saving and investing can support long-term goals. Investing involves risk, including loss. Costs, access to your money and the time before you need it all deserve attention.
Write down a future goal and when you might need the money. Read about saving, investing, fees and risk before choosing a product.
What are we working toward, and what do we still need to learn?
Investor.gov: saving and investing (opens in a new tab)03 / People and responsibilities
Consider what needs protecting.
Life insurance is designed to pay a benefit to named beneficiaries when the insured person dies, subject to the policy’s terms. It can be part of planning for people who rely on an income. Different policies have different costs, limits and features.
Make a private list of the responsibilities you would want considered. If you have coverage, gather the policy or benefits summary and questions for the provider.
What does the coverage do, what does it cost, and what are its limits?
NAIC: understanding life insurance (opens in a new tab)04 / An organized legacy
Make the important things findable.
A plan is more useful when the right people know where to find it. For life insurance, keeping beneficiary details current and making policy information accessible to trusted people can help them understand what is in place.
Create a private index of important records and their locations. Review life-insurance beneficiary information with the provider. Ask a qualified attorney about legal documents or estate-planning questions.
Who should know where our important information is kept?
NAIC: beneficiaries and policy information (opens in a new tab)05 / Habits worth sharing
Pass on a conversation, too.
A legacy can include the way you talk about money, make decisions and help someone learn. You can begin with a conversation about a shared goal or a lesson you wish you had learned earlier.
Choose one idea to discuss with someone you trust: a saving habit, a question about risk, or why a particular goal matters to you.
What would we like the next generation to understand about money?
MAKE IT YOUR OWN
A starting point to keep
The protection chapter gives a general introduction. You can read it without requesting a conversation.
For your records, start with an index of document names and where they are stored. Keep the details private.
- Save a copy of the guide.
- Mark a chapter you’d like to return to.
- Come back when a question or next step feels useful.
A few notes for yourself
Use a private notebook or your saved copy. Keep account numbers and personal documents out of online forms.
One goal I want to understand
One question I want to ask
One record I want to find
My next step and a time to revisit