Financial wellness in a changing world
A holistic approach to your future


Author:
Jess Levy
MarComm Manager



In today’s fast-paced and unpredictable world, financial planning is no longer just about numbers—it’s about life, legacy, and security. Whether you’re planning for a long retirement, preparing for life’s uncertainties, or safeguarding your family’s future, the right strategies can make all the difference.

Christian Chapman of Strong Financial Network reminds us that financial planning is deeply personal.

“It’s not just about managing money but aligning financial decisions with what’s most important in your life,” he says.

With roots in Carlsbad and a track record of leadership both on the football field and in the financial world, Christian highlights the value of creating plans that reflect your individual values. One critical area often overlooked is estate planning. As Shoshannah Hart of Parker & Hart, LLP explains, many believe estate planning is reserved for the wealthy. Not so. “If you own property, have minor children, or assets over $170,000, (or over $300,000 in April 2025 when the law changes) you need a trust,” she emphasizes. Proper estate planning protects your loved ones from the complications of probate and ensures your wishes are carried out, even in difficult times.

Another challenge is adapting to longer life expectancies. Andrew Lippman of InWealth Management points out that traditional retirement strategies may not suffice. “Rising healthcare costs and inflation demand more flexible, data-driven approaches,” he advises. Tools like the HALO health and longevity optimizer can forecast future needs, helping you navigate the complexities of financial longevity with confidence.

Justin Peek of PEEK WEALTH stresses the importance of preparing for market volatility, especially for those nearing or in retirement. “Volatility is inevitable, but preparation is key. A proper plan turns uncertainty into opportunity, ensuring your wealth serves your life—not the other way around,” he explains.



By staying invested during turbulent times and focusing on long-term goals, individuals can build resilience and avoid reactive mistakes that can derail financial success.

But financial health isn’t just about individual strategies—it’s about integration. As Jackie Mazur of Guide My Finances illustrates, “Your finances are like a puzzle. Investments are just one piece.” Holistic planning connects tax strategies, risk management, retirement dreams, and estate planning. Much like a doctor evaluates your entire health, a financial plan should ensure all aspects of your wealth work together seamlessly.

Whether you’re building a business, safeguarding your legacy, or preparing for retirement, today’s financial landscape demands more than conventional wisdom. By embracing a holistic, personalized approach, you can align your money with your life’s goals—and truly thrive. As Christian Chapman puts it, “Financial planning isn’t just about wealth; it’s about creating a life you’re proud of.” Let this be your call to action: take control of your financial future today!