When it comes to your financial future, silence isn’t golden—it’s risky. Too often, families meet with their advisor once a year (or less) and assume their plan is still on track. But your life, the markets, and the tax code don’t stand still—so your financial plan shouldn’t either.
Why Communication Matters
Your relationship with your advisor isn’t just about numbers on a page—it’s about trust, accountability, and making sure your plan evolves with your life. The best results come from ongoing conversations. At The Southern Agency, Tom Thompson, our Retirement Income Specialist, works with clients to revisit their goals regularly, because financial planning isn’t a one-time event—it’s a lifelong process.
Key Times to Check In With Your Advisor
Every family’s situation is unique, but there are some milestones and life changes that always warrant a conversation with your advisor:
Major Life Events
- Marriage or divorce
- Having children or caring for aging parents
- Buying a home
- Approaching retirement
Significant Financial Changes
- Receiving an inheritance or windfall
- Experiencing a large increase or decrease in income
- Facing a major market shift that impacts your investments
Complex Situations
- Navigating tax or estate planning challenges
- Managing executive compensation or business ownership
- Starting or selling a business
Personal Financial Challenges
- Feeling overwhelmed by financial decisions
- Struggling to stick to a budget or retirement savings plan
- Lacking clarity about your long-term goals
The Bottom Line
The right time to talk to your advisor is before you feel like you need to. A proactive approach can help you reduce stress, protect your assets, and seize opportunities you might otherwise miss.
If your advisor only calls you once a year—or if you don’t have an advisor yet—it’s time to make a change. Tom Thompson helps families retire with confidence by creating customized income strategies that adapt as life changes.
Don’t leave your financial future to chance. Let’s talk.
