Life gets busy. Between kids, careers, caregiving, and carving out time for yourself, managing your finances can sometimes feel like another full-time job.

At Talk Money with Tish, we hear it all the time:
"I think we're doing okay... but are we doing everything we should be doing?"

If you’re asking that question—you're already ahead of the game. Because knowing when to bring in a financial professional (and how to choose the right one) can make all the difference in protecting your investments, reducing taxes, and building generational wealth.

Let’s walk through the key signs it’s time to bring in a pro, and what to look for when you do.

When Should You Work with a Financial Professional?

Whether you're just starting to build wealth or you're managing significant assets, these life markers signal it's time to get expert guidance:

1. Your Income Has Grown—But So Have the Questions

If you're earning more but unsure where to direct your money (investments, taxes, college funds, insurance, retirement...), it’s time for a personalized strategy.

2. You're a Family in Growth Mode

Marriage, a new baby, or buying a home are exciting milestones—and also moments when your financial picture shifts dramatically. It’s important to update your plan to match your new goals.

3. You’re Building Wealth and Want to Protect It

As your savings and investments grow, so does your exposure to risk. A professional can help you diversify your portfolio, avoid unnecessary taxes, and protect your assets with the right tools.

4. You’re Thinking About Retirement (Even If It’s Decades Away)

If you're saving without knowing what that money will actually do for you later, you’re missing the power of intentional planning. A financial professional helps map out tax-free income strategies and legacy planning early—so you retire on your terms.

5. You're Ready to Build a Legacy, Not Just Wealth

Whether it’s a business, real estate, or life insurance with living benefits, families who think long-term need guidance that’s just as big-picture. Professionals help you put the right structures in place to pass down wealth, not just money.

What Should You Look for When Interviewing a Financial Professional?

Finding someone who fits your family’s values and vision is just as important as credentials. Here’s what to ask:

✔️ 1. Are You a Fiduciary?

A fiduciary is legally required to act in your best interest—not sell you products or steer you toward high-commission investments. Always start here.

✔️ 2. What Services Do You Offer?

Some advisors only focus on investments. But today’s families need comprehensive planning: tax strategy, estate planning, insurance, retirement, and income growth. Look for someone who sees the full picture.

✔️ 3. How Are You Paid?

Transparency matters. Are they fee-only, commission-based, or a hybrid? Make sure their compensation model aligns with your goals—not theirs.

✔️ 4. What’s Your Experience Working with Families Like Ours?

Do they understand multigenerational planning? Do they work with small business owners, blended families, or people nearing retirement? Ask for examples.

✔️ 5. Can You Help Me Protect AND Grow My Money?

The best financial pros help you grow wealth while protecting it from market loss, inflation, taxes, and unexpected events.

Legacy-Focused Planning Deserves Legacy-Focused Professionals

You work hard to create stability and opportunities for your family. Your financial professional should match that same energy—offering strategies that are smart, safe, and designed for long-term generational success.

At Talk Money with Tish, we specialize in:

• Tax-efficient retirement planning

• Income growth strategies

• Asset protection

• Infinite banking and living benefits

• Legacy and estate planning guidance

Whether you're just getting started or entering your prime earning years, we’re here to support your next step with strategy, heart, and integrity.

Ready to Take the Next Step?

Your family's legacy is too important to leave to guesswork.

📅 Book your free consultation and let’s create a plan that helps you grow and protect your wealth—with confidence, clarity, and peace of mind.