The holiday season doesn't seem like it was all that long ago, but it's already February! Before we know it, Valentine's Day will come and go, March will be here, and the weather will start to warm up as Spring approaches. It's always amazing how quickly time seems to fly by and how much things can change year-to-year or month-to-month -- even day-to-day.

Has anything changed in your life recently? Life-changing events often bring with them a need to adjust your financial and estate plans. They can also affect not only how you invest but why. Starting a new job and getting married will alter your income: how will you adjust your budget? Having children or grandchildren may affect the decisions you've made in your will or trust. A death of a loved one may also require a review of your will and trust, as well as an evaluation of your income and investments. Sell your home recently? How will you invest your profits? If your most recent birthday has you on the precipice of retirement, you may need to increase your IRA contributions and perhaps lower the amount of risk in your portfolio. If you're newly retired, you'll need to decide on a withdrawal plan from your retirement funds. 

So what has changed in your life in the last year? The last month? The last few days? What kind of impact will those changes have on your financial and estate plan? The team at Covenant Trust is available to discuss the changes you've had in your life. Contact Any one of us today and let's talk about how we can help you make sure that your plans for the present and the future are still appropriate for your changing needs.