| DID YOU KNOW |  |
| Did you know you can increase your children’s visibility (and safety) at night? | |
| Add some reflective tape to their bicycles, jackets, helmets, Halloween costumes, and skateboards. It’s simple and cheap, and they’ll be spotted more easily by drivers. | |
You taught them how to read and how to ride a bike, but have you taught your children how to manage money?
Assess whether you are running “in the black” or “in the red” each month.
Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.