Life is a series of stages with events that require careful financial planning. Marriage, birth or adoption of a child, a career change or advancement, college, retirement, and to a certain extent, end-of-life pre-planning are all pivotal financial points.

We have little or no control over some life-altering events. The untimely death of a family member, disability of an income earner, a child with special needs, or divorce are events that may leave us feeling momentarily unable to cope with the change in financial security.

At such times, the Chartered Financial Consultants at the Amherst Financial Services Division of The Nathan Agencies can objectively analyze the situation and provide alternatives.

Contact us today if you need assistance with any of these important needs:

• Reduce Debt
  The first step toward becoming financially independent is to objectively analyze your financial situation. This may require paper and pencil and the ability to account for all areas of spending, including existing credit card debt, school loans, car loans, and ongoing expenses. Once you know where your money is going, it is a lot easier to figure out what changes need to be made.
  Once you have made your list, you may want to see how you can more effectively manage your debt. Our financial planners can help you identify ways to improve your financial situation.


• Educational Funding
  With an increasing number of families sending their children to private middle school and/or high school, the need to plan for educational funding has never been greater. Private schooling creates significant additional costs earlier in a child’s life. Often, savings originally earmarked for college end up being used to pay for high school, leaving inadequate funding for college. Even when families are planning for college alone, it is becoming more and more difficult to meet the ever-growing expense of a four-year institution. Whichever situation you find yourself in, we can help you explore your options and make the best choice for your family’s situation.


• The Beginning Investor
  Everyone has to start somewhere. Many people think they need to have a lot of money to think about investing. Not so. Remember the story of the cleaning lady who left a multi-million dollar estate to the university who employed her? Sometimes the biggest risk we take is doing nothing. Contact us to explore how to start an investment program that will help you achieve your financial objectives.


• The Experienced Investor
  As an experienced investor, you know the importance of planning ahead. Whether you desire the representation of a professional advisor who will work with you to determine the best strategy for your investment style, or whether you need occasional assistance, we are able to provide the level of service you require.

Find more information on how The Nathan Agencies can help you make the right financial choices involved with major life changes.