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An American Value: Financial Independence
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Friday, July 4, 2014

With Independence Day the highlight for many this month, it’s easy to see the correlation between an independent nation and personal independence, particularly financial independence arrived at as a result of wise and careful planning.

Any financial planner would advise vehemently against a plan to live solely off social security payments, the generosity of adult children, or in utter poverty during a client’s retirement years. The idea of financial dependence during retirement is hardly popular and is generally a result of bad planning or a lack thereof rather than an active, well-considered plan. But despite the fact that the American retirement age slides further into our 70’s with each passing year, increasing the number of years we will need a consistent paycheck, not enough people adequately protect their financial independence with disability insurance.

If we would never advise ignoring the necessary steps to creating financial independence for retirement, why wouldn’t we put as much effort into extolling the wisdom of establishing financial independence during our working years as well? The simplest way for most Americans to achieve financial independence in the case of extended absence from work due to illness or disability is, of course, purchasing disability insurance.

No one wants to burden their adult children, attempt to live off a fraction of their former paycheck or rely on inadequate government services to get through a period when it is impossible to work. No one wants to drain their carefully acquired reserves intended for retirement in order to pay bills while recovering from an injury or overcoming a serious illness. What everyone really wants, whether they realize it or not, is financial independence from any of those scenarios and the freedom to focus on returning to better health and work that they love.

Let the stunning fireworks display of the fourth of July inspire you to discuss the ways you can help create personal financial independence for your clients that matches the national independence we all treasure.




 
 
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