ADAM & MARIA
Adam and Maria have just started their lives together. They are learning how to manage a joint bank account, and adjusting to each other’s spending habits, especially with credit cards. They are slowly paying off their student loans. They both have started their careers and are excited for what the future holds, but they have also felt that they are ready to start a family. They are not sure what changes they might need to make financially in order to raise a family and buy a home.
Adam and Maria have some big life events coming up. Developing good financial habits will give them the ability to experience these changes with confidence.
THINGS TO FOCUS ON
- Managing debt
- Buying a home
- Raising children
The Safety Plan offers robust perks to help you get out of debt, save money, make financial plans and set the foundation for protecting your assets.
Wondering where to start on your path to financial health? Get started with your personalized Journey™ action plan.
Journey™ by Lifecents is a financial wellness application designed to help you manage and overcome the most common challenges you will encounter on your financial journey. Access Journey™ to get started with:
- Your Financial Health Report
- Financial Management Goal System
- Personalized Badges & Challenges
- Financial Connections & Tools
Simplify is a financial software that allows you to easily manage your entire financial life in one secure place so you can reach your goals faster.
Here’s just a few things you can do with Simplify:
- See all accounts in one place
- Gain insights into your spending, saving and retirement goals
- Categorize transactions
- Get spending analysis
- Set and track goals
- Manage debt
- Track and monitor tax deductions
- Automate expense tracking
- Ensure you never miss a tax deduction
- Track income & expenses
- Track mileage
- Get profit & loss statements
Ask Advisory gives you access to our knowledgeable financial counselors to answer your questions on everything from establishing credit and starting a college fund to exploring retirement options. Get confidential guidance and advice 24/7 about budgeting, debt consolidation, health care expenses, credit cards, taxes and more.
- 24/7 Access to Financial Counselors
- Free confidential counseling by phone.
- Free Financial calculators
- Access to Online Financial Resource Center (informative articles and other resources to help you plan ahead).
With Tax Chat, tax experts provide you with advice, planning and audit assistance to help you avoid mistakes, penalties and interest. They help make your year-end tax preparation feel painless and frustration free!
- Advice from tax professionals.
- Unlimited advice on federal taxes.
- Free tax return preparation for 1040EZ per household.
- Business Returns and Bookkeeping
- IRS Notices & Tax Resolution
- Member portal with tax tips, tax law changes, advice and more
Legal Access offers you the ability to get legal answers from experienced lawyers at discounted rates. Attorneys can help you with anything from traffic tickets and legal documents to major life events. You also receive additional legal services at no extra cost to you!
- One-on-one consultations
- Attorney-made phone calls.
- Assistance with government programs.
- Representation in small claims court.
- Help with a Simple and Living Will
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You’ve found your way, and your hard work is beginning to pay off. As you turn your sights towards bigger financial goals, we’re here to help.
When you sign up for an Umbrella Financial Fitness Plan, your immediate family also has access to your perks and services.
SAFETY PLAN PRICE
Subscription cost is recurring and will be billed to your account monthly until cancelled.