Each stage of your life brings different challenges, priorities, risks and goals:
Your wealth is primarily based on the knowledge, skills and abilities that you bring to the workplace. Your most valuable asset is your ability to earn an income. You have debt and need a plan to convert your human resources into financial assets. You need to insure your health.
You have been successful in managing debt and accumulating financial assets. You still want to grow your financial assets, but you are concerned about protecting what you already have. You need to diversify and manage risk.
You know that you will be alright and are thinking about the legacy you want to leave your family and community. You are concerned about the shrinkage on your estate from taxes and estate settlement costs. You need an estate plan.