4 ways to plan for what's important to you

Here are a few thought starters to get you thinking about what you may need to focus on:

• Do you have loved ones who depend on you financially?
• If you needed immediate medical care would, do you have insurance to cover medical costs?
• In a digital-centric world, are you engaging with your accounts and personal information online?
• If you were no longer here, what would happen to your loved ones and your assets?

1. Plan for your income

• It’s not fun to think about what would happen if you were unable to work due to an illness or injury, but it’s important to prepare for that. Disability insurance can help by providing income in your time of need.
• If you’re diagnosed with a serious illness, critical illness insurance could help in a big way. Whether you need help with medical costs, bills or even groceries, critical illness insurance can provide needed financial relief, so you can focus on your health.
• If something unexpected happens to you, life insurance can provide much needed support for your loved ones. Learn more about the different types of life insurance and how much you may need.

2. Plan for medical expenses now and in the future

• Health insurance is a must for just about everyone and readily accessible. Make sure you understand your cost and coverage options to select a plan that works for you and your family.
• If you have a high deductible health plan, an HSA can help you save for medical expenses both today and in retirement. Check out the advantages of having an HSA and how they can also serve as an investment account.

3. Protect your online identity

With the rising risk of fraud, cyber threats and other authorized activity, it’s important that you are vigilant with your online accounts.

• Keep your passwords complicated and enable additional methods of protection when applicable (ex. Touch ID, Two-Factor Authentication).
• Beware of fraudulent emails or phishing.
• Log in to your accounts frequently. Report any suspicious activity.
• Keep your computer and mobile devices updated with the latest security software.

4. Plan for your loved ones and your assets

• Having the control in what happens to your legacy is important for any individual, regardless of net worth and socioeconomic status.
• Learn about how to plan for your estate and why it’s worth it.

Sometimes what we have planned for our future, doesn’t always pan out the way we envisioned. But it’s important that you plan for the future so you can protect all that is important to you and in your control.