{"id":11918,"date":"2024-11-06T11:55:40","date_gmt":"2024-11-06T17:55:40","guid":{"rendered":"https:\/\/www.cainwatters.com\/digitalblogs\/?p=11918"},"modified":"2025-12-11T17:02:33","modified_gmt":"2025-12-11T23:02:33","slug":"3-personal-financial-plan-needs","status":"publish","type":"post","link":"https:\/\/www.cainwatters.com\/digitalblogs\/3-personal-financial-plan-needs\/","title":{"rendered":"Your 3 Personal Financial Lifecycle Phases"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"11918\" class=\"elementor elementor-11918\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-3448b917 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"3448b917\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-72365020 ae-bg-gallery-type-default\" data-id=\"72365020\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-75e12e51 elementor-widget elementor-widget-heading\" data-id=\"75e12e51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Investing by Life Stage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-227ae2e blue-box elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"227ae2e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-22527627 ae-bg-gallery-type-default\" data-id=\"22527627\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-24a15bd2 elementor-widget elementor-widget-text-editor\" data-id=\"24a15bd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Key Takeaways<\/strong><\/p><ul><li>Learn the basic strategies and concepts around money, debt and savings.<\/li><li>Define short-term goals that will help you achieve your long-term goals.<\/li><li>Understand your financial plan will evolve over time as your priorities and goals change.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-77c8aeca elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"77c8aeca\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-68c90c55 ae-bg-gallery-type-default\" data-id=\"68c90c55\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-573aaa3b elementor-widget elementor-widget-text-editor\" data-id=\"573aaa3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dentistry is a rewarding profession. From the beautiful smiles to the healthy oral habits dentists instill in patients, there\u2019s a lot to feel good about at the end of the day. For most dentists, there\u2019s also a lot to feel good about at the end of the month, too.<\/p><p>A lucrative career does, however, bring its challenges. Having a personal financial plan is key to reaching your short- and long-term goals.<\/p><p>Owner dentists are naturally more apt to have a financial plan in place through their exposure to CPAs and planners helping guide the business. Associate, DSO and contract dentists, on the other hand, may have yet to wade into the personal planning waters.<\/p><p>The good news is that you don\u2019t have to own a practice to reap the benefits of personal planning.<\/p><p>\u201cWith the rise of DSOs over the last 10 years, we\u2019ve seen more and more dentists working as non-business owners,\u201d says <a href=\"https:\/\/www.cainwatters.com\/dan-wicker\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">Dan Wicker<\/span><\/a>, CPA and Partner at <a href=\"https:\/\/www.cainwatters.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">CWA<\/span><\/a>. \u201cWe\u2019ve also seen more associates choosing to stay as associates longer before transitioning into ownership.\u201d\u00a0<\/p><p>For Dan, it\u2019s critical that non-owning dentists not only start planning early, but they do it with a planner who understands the dental industry.<\/p><p>\u201cWith dentistry, it&#8217;s not just personal planning, it\u2019s dental personal planning,\u201d says Dan. \u201cStarting with a proper personal plan that considers this unique career puts clients in a better position to implement ownership decisions down the road.\u201d<\/p><p>According to Dan, a successful financial plan comes down to three things: education, goal-setting, and execution.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-1a34bf8 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"1a34bf8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-738b18ac blue-box ae-bg-gallery-type-default\" data-id=\"738b18ac\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38a538b8 elementor-widget elementor-widget-text-editor\" data-id=\"38a538b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u201cMost people doing financial planning on their own start with execution,\u201d says Dan. \u201cThey don&#8217;t educate themselves on the right areas to focus on. They don&#8217;t set goals and revisit them. They just start, and in a unique industry like dentistry, that may not be the best path.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-6f94a49 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"6f94a49\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6afbca14 ae-bg-gallery-type-default\" data-id=\"6afbca14\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4490877f elementor-widget elementor-widget-text-editor\" data-id=\"4490877f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>EDUCATION<\/strong><\/h5><p>For all the wonderful things we learn in college and dental school, one area that\u2019s lacking is teaching students how to manage money. With dentists often starting their careers with $300,000 or $400,000 in student loans, one of the first questions Dan often gets is simply \u2026 where do I start?<\/p><p>\u201cThey\u2019re asking, \u2018Should I budget this to pay down that? Should I be saving here or paying down this loan there?\u2019\u201d says Dan. \u201cAs they gain experience, the questions shift to \u2018Should I go with a Roth IRA? Should I save after tax so I have more liquidity for buying a practice in the future?\u2019\u201d<\/p><p>Dan looks at the education part of financial planning as a little like financial coaching. Good planners start by teaching the basic strategies and concepts around money, debt and savings. As the need for more sophisticated concepts presents itself, the more advanced the education becomes.<\/p><p>For example, a person might elect to fully fund a Roth IRA, leaving only 3% for their 401(k) plan. What they missed is that the office is matching 5%, so 2% of that free money is being thrown away.<\/p><p>\u201cLittle misses like this start to add up over time,\u201d says Dan. \u201cThat\u2019s why education and understanding all the nuances that can go into your personal financial health comes before setting goals.\u201d\u00a0<\/p><h5><strong>DEFINING GOALS<\/strong><\/h5><p>Now it\u2019s time to start thinking about what you want from both a personal standpoint and your career. While long-term goal setting is important, Dan works with his clients to define the short-term goals that will become the path to get there.<\/p><p>\u201cIt&#8217;s always fun to run long-term projections and say, \u2018Here\u2019s how much money you&#8217;ll have when you&#8217;re 60,\u2019 but what\u2019s equally important is defining where they want to be next year, three years and five from now.\u201d<\/p><p>The likelihood of someone reaching their long-term goals, according to Dan, becomes much higher when they see the tangible results of meeting their short-term goals.<\/p><p>\u201cThe reason for that is accountability,\u201d says Dan. \u201cThere&#8217;s always something that&#8217;s going to get in the way of a goal, but having someone holding them accountable to the goals they laid out is critical to meeting them.\u201d\u00a0<\/p><h5><strong>EXECUTION<\/strong><\/h5><p>With both long- and short-term goals in place, it\u2019s time to put the financial plan into action. This is when things like age, financial situation, risk tolerance and retirement horizons come into play. While a personal financial plan will be different for everyone, they should all have one thing in common: change.<\/p><p>\u201cImplementing a financial plan is not a one-time or a once-a-year thing,\u201d says Dan. \u201cLife happens, the economy changes, markets shift. Your personal planner should be actively optimizing the plan along the way.\u201d<\/p><p>During the entire relationship, Dan says the job of a financial planner is to listen first and plan second.<\/p><p>\u201cA person\u2019s priorities and goals will change over time. Those goals may not always be saving the most money. It might be helping them do other things that balance their life.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-42260406 blue-box elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"42260406\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-60c3b2b ae-bg-gallery-type-default\" data-id=\"60c3b2b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d5fd438 elementor-widget elementor-widget-text-editor\" data-id=\"d5fd438\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Whether you\u2019re just starting out as an associate or a veteran practice owner, a financial plan can be right for anyone on any budget. To learn more, <a href=\"https:\/\/www.cainwatters.com\/contact\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">talk to a CWA advisor<\/span><\/a>. We\u2019re always here to help answer any <a href=\"https:\/\/www.cainwatters.com\/personal-planning\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">personal finance<\/span><\/a> or <a href=\"https:\/\/www.cainwatters.com\/business-planning\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">business planning<\/span><\/a> questions you may have.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Each of the 3 personal financial lifecycle phases plays a vital role in helping you grow, enjoy &#038; pass on the spoils of your hard work through proper investing.<\/p>\n","protected":false},"author":7,"featured_media":11925,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[16,41,18],"tags":[],"ppma_author":[48],"class_list":["post-11918","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-news-feature","category-featured","category-financial-planning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Your 3 Personal Financial Lifecycle Phases | Cain Watters<\/title>\n<meta name=\"description\" content=\"Each of the 3 personal financial lifecycle phases plays a vital role in helping you grow, enjoy &amp; pass on the spoils of your hard work through proper investing.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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