Financial Planning for Life Events

Personalized planning helps ensure you’re financially ready for the big moments.

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Our collaborative approach to planning for life’s stages and changes

Life doesn’t stand still and neither should your financial plan. Our Associated Bank Private Wealth team meets you where you are, taking time to understand what matters most. Then we partner with you to navigate what’s next—anticipating needs and delivering personalized solutions that grow with you. This is where planning meets possibility.

Take the first step

Every milestone is a chance to build something stronger.

And there’s no need to navigate the journey alone. You bring the goals, we’ll help map the path.

Getting married or partnering

Start by having the money talk. Navigating combined finances includes how to approach spending and saving, insurance needs and retirement goals.

Having kids or grandkids

With more people depending on you, it’s a good time to strengthen your foundation. Think protection, savings and planning for the future you’re building together.

Buying or selling a home

Big moves deserve thoughtful planning. Understand what you can comfortably afford, how your mortgage strategy fits into your broader investment goals and what comes next after the keys change hands.

Saving for education

Starting early can make a meaningful difference. Savings tools like 529 plans, along with long-term investing, can help balance tomorrow’s opportunities with today’s needs.

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Career, business and financial turning points

Changing or losing a job

Transitions can feel uncertain, but they’re also a chance to reset. Focus on managing cash flow, preserving benefits, determining what to do with retirement accounts and adjusting to any changes in income.

Starting or exiting a business

Whether building something new or stepping away, it’s important to plan for both opportunity and risk by managing income fluctuations, retirement contributions and tax implications.

Approaching or living in retirement

Making the shift from building wealth to using it wisely means turning what you’ve saved into reliable income, deciding when to claim Social Security, how much to withdraw when and how to balance risk.

Protecting what matters through life changes

Getting divorced

Focus on understanding your new financial picture—protect what matters by retitling accounts, update beneficiaries, estate documents and POA (power of attorney), and create a new plan for moving forward.

Caregiving for aging parents

Balancing care costs, time and your long-term goals can help you show up for them without losing sight of yourself. Evaluate healthcare, establish directives, and structure support in estate and gift planning.

Losing a loved one

Give yourself space—but know there are important financial steps to take and a team to guide you when you’re ready. Having help navigating the estate settlement process can ease the burden and bring comfort.

Receiving an inheritance

Take a moment to pause before making decisions. Understand what you’ve received and any tax or timing considerations. Then reflect on how you can honor it and how it fits your goals for the future.

Connect with an Associated Bank Private Wealth professional.

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Call 800-991-7706
Monday–Friday, 7 a.m. to 9 p.m. CT
Saturday, 8 a.m. to 5 p.m. CT

Frequently Asked Questions

Major life events—such as marriage, having children, changing jobs or losing a loved one—can significantly impact your income, expenses, taxes and long-term goals. Updating your financial plan ensures it reflects your new priorities and keeps you on track toward retirement and other milestones.  

After a major life change, it’s important to review your cash flow, update beneficiaries, adjust insurance coverage and revisit your investment and retirement strategies. Taking these steps helps align your finances with your evolving needs and goals. 

A job change may require you to reassess income, benefits and retirement accounts. Consider what to do with your 401(k), update your savings rate and plan for any gaps in income or changes in cash flow as you transition. 

Marriage and divorce both require careful financial planning, including combining or separating assets, updating estate documents, reviewing insurance and setting new shared or independent financial goals. A thoughtful plan helps create clarity and long-term stability. 

Life events can shift your savings timeline, risk tolerance and income needs. Whether you’re starting a family, caregiving or approaching retirement, adjusting your financial strategy helps ensure your long-term goals stay achievable despite changing circumstances. 



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    FDIC INSURED    		NOT BANK
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  • Associated Bank and Associated Bank Private Wealth are marketing names Associated Banc-Corp (AB-C) uses for products and services offered by its affiliates. Securities and investment advisory services are offered by Associated Investment Services, Inc. (AIS), member FINRA/SIPC; insurance products are offered by licensed agents of AIS; deposit and loan products and services are offered through Associated Bank, N.A. (ABNA); investment management, fiduciary, administrative and planning services are offered through Associated Trust Company, N.A. (ATC); and Kellogg Asset Management, LLC® (KAM) provides investment management services to AB-C affiliates. AIS, ABNA, ATC, and KAM are all direct or indirect, wholly-owned subsidiaries of AB-C. AB-C and its affiliates do not provide tax, legal or accounting advice. Please consult with your advisors regarding your individual situation. (1024)