Stage 1 - Starting Out Starting Out You're starting out. You've graduated or finished your educationYou've just started your career or are a few years in already Perhaps you're going to be or are recently married You're planning to have kids, have one on the way, or a few young ones scrambling around. You realize that none of the financial topics you need to know about were taught in school. And now you have everything in front of you.Here are some areas to consider. Cash Flow Strategies Creating Life GoalsCreating a Cash Flow PlanPaying off Debt/Student LoansPurchasing a House Creating an Emergency Fund Investment Planning Creating an Investment PlanAllocating your AssetsFunding the right accountsDisciplined Investing Insurance Planning Which insurances do you actually need?How much insurance?Which should you avoid!? Getting the most bang for your buck. Estate Planning* Creating a WillGuardianship for your ChildrenPower of Attorney & Health DeclarationBeneficiaries are correct These Financial Planners focus on working with clients in Stage 1. Michael Myers Michael Swartz * Neither Voya Financial Advisors nor its representatives offer tax or legal advice. Please consult with your tax and legal advisors regarding your individual situation.