For one family, the priority is education. For another, it is a first business or a financial cushion as a child becomes independent. The date you expect to need the money changes the conversation.
It is also worth asking what would happen to the plan if you could no longer make the contributions. We can discuss child-focused policy options, any available payor protection and how they fit within your family’s wider priorities.
Name the opportunity.
Give it a timeline.
A plan for education or another milestone needs both a target date and contributions you can maintain. What happens if you cannot continue paying is part of that plan too.
- What am I saving towards, and when?
- What contribution would remain manageable over time?
- How would the plan continue if I could not pay?
No need to enter your answers here. Bring the questions that matter to your consultation.

