Although your financial strategy will be one of a kind, we'll ensure that it's built on a solid foundation to help you protect against the unexpected, accumulate wealth and preserve what you're working so hard to achieve. Our process involves:

Risk management: Be financially prepared to weather life's storms. We'll help to ensure you, your family and your income are adequately protected against risk.

Wealth accumulation: Make the most of your money. Our financial planning process and investment and advisory services are designed to help you achieve your goals. 

Wealth preservation and distribution: Ensure your money lasts as long as you live. We'll help you transition your wealth into predictable income in retirement and leave the legacy you desire.


Protect your income. When you're just starting out, your ability to earn an income is your greatest asset. Protect it. If disability income insurance is offered through your employer, take advantage of the opportunity and the group rate that may be offered. However, group plans usually cover only a portion of your income. So to fully protect yourself, you may want to consider a supplemental individual policy. An individual policy is also portable. Because you own it, the policy can move with you from job to job as long as you pay the premium. An individual policy can also be a great way to protect your income if you're self-employed. Learn More.

Pay down debt. For some, the concept of being debt free is hard to imagine, particularly if you're paying off student loans on an entry-level salary. Instead of feeling buried under debt, you can feel good about managing it by setting a realistic budget. Learn More.

Establish an emergency fund. Include in your monthly budget a contribution toward your emergency fund, because no matter how carefully you may plan your finances, there can be unexpected expenses like car repairs or veterinarian bills. Aim for a total of three to six months of living expenses. Learn More.

Establish the fundamentals of an estate plan.1  Estate planning is not just for the rich and famous. Make sure you have in place these fundamental pieces of an estate plan:

Powers of attorney: Identify persons you trust and give them the legal authority to act on your behalf in case of an accident or sudden illness. A power of attorney for health care can make health care decisions on your behalf if you’re unable to do so yourself. And a durable power of attorney for finances allows that person to handle your personal financial affairs like signing checks and preparing tax returns.

Health care directive or living will: A living will specifies the extent to which you want health care professionals to treat you if you become ill or incapacitated.

A will or trust: A will or trust will ensure that your assets will be transferred to the right people, at the right time, according to your wishes.

Learn More.

Protect the financial future of your loved ones. Consider purchasing a life insurance policy to make sure they're taken care of after you're gone. While that may seem too far into the future to worry about, the time to purchase life insurance is when you're young and healthy because the cost of coverage typically rises as you get older. As an added benefit, whole (or permanent) life insurance also builds equity - or cash value - that can grow tax deferred and becomes a source of funding you can utilize2 easily; no credit checks, no applications, no waiting for approval. Of course, if you borrow against the cash value and don't pay it back (with interest), the amount of the loan would be deducted from the amount your beneficiary would receive in the event of death.

(1) This information is not intended as legal or tax advice. Please seek local legal independent counsel for additional assistance.

(2) Each method of utilizing your policy’s cash value has advantages and disadvantages and is subject to different tax consequences. Surrenders of, withdrawals from and loans against a policy will reduce the policy’s cash surrender value and death benefit and may also affect any dividends paid on the policy. As a general rule, surrenders and withdrawals are taxable to the extent they exceed the cost basis of the policy, while loans are not taxable when taken.

Loans taken against a life insurance policy can have adverse effects if not managed properly. Policy loans and automatic premium loans, including any accrued interest, must be repaid in cash or from policy values upon policy termination or the death of the insured. Repayment of loans from policy values (other than death proceeds) can potentially trigger a significant tax liability, and there may be little or no cash value remaining in the policy to pay the tax. If loans equal or exceed the cash value, the policy will terminate if additional cash payments are not made.

Policyowners should consult with their tax advisors about the potential impact of any surrenders, withdrawals or loans.



Northwestern Mutual financial representatives have the opportunity to determine their own financial futures while making an impact on others.

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