Life Events Create Financial Opportunities

During major life transitions, you’re naturally more focused on your financial future because these events often:

• Increasing awareness of potential financial vulnerabilities
• Encouraging active pursuit of financial solutions and guidance
• Providing access to funds needing strategic management
• Opening minds to new financial approaches
• Highlighting the importance of professional expertise

Four Key Life Events That Drive Financial Decisions

1. Approaching Retirement (5-10 Years Befors)What’s changing: Priorities shift from pure accumulation to balancing growth with protection.
2. Market VoltalityWhat’s changing: Increased anxiety about retirement savings and market exposure.
3. Ingeritance or Financial Windfall What’s changing: Sudden wealth requires thoughtful management decisions.
4. Career TransitionsWhat’s changing: Job changes often involve 401(k) rollovers and income uncertainty.

How to Navigate Life Events Successfully

Each life event is unique, but the following principles can guide your decision-making:

1. Pause before acting: Emotional responses are common; take time to understand both the emotional and financial impacts before making major decisions.
2. Seek qualified guidance: Professional financial advice can be especially valuable during complex life transitions.
3. Reassess your timeline: Adjust your investment time horizon and strategy as your circumstances evolve.
4. Balance protection and growth: As your priorities change, ensure your financial strategy adequately addresses both safety and growth potential.
5. Think long-term: Ensure short-term decisions also support your broader, long-term financial goals.

Disclosures:

 

This material is meant for educational purposes only and does not constitute specific financial advice. Please consult with a qualified financial professional about your individual circumstances before making any financial decisions. The Harbourview MYGA (Generic Policy Form ICC19 OLA SPDA) and Harbourview FIA (Generic Policy Form ICC19 OLA FIA) are single premium deferred annuities. May not be available in all states.  

HARBOURVIEW ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY THE FDIC OR NCUA/NCUSIF OR ANY OTHER FEDERAL GOVERNMENTAL AGENCY. MAY LOSE VALUE. NO BANK/CREDIT UNION GUARANTEE. NOT A DEPOSIT. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT. GUARANTEES ARE SUBJECT TO THE CLAIM PAYING ABILITY OF THE ISSUING INSURANCE COMPANY.

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Annuities are generally designed as long-term retirement solutions and have certain limitations. They are generally not intended to replace emergency funds, serve as income for day-to-day expenses, or support short-term savings goals.  Please review the contract for full details.  

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This material is a general description intended for general public, educational use. Oceanview Life and Annuity Company is not providing investment advice for any individual or in any individual situation, and therefore nothing in this correspondence should be read as such. 

Neither Oceanview Life and Annuity Company nor any of its representatives may provide tax or legal advice. 

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