Skip to Content

Feel good about your financial journey.

Take a positive step forward and gain a better understanding of your finances with this simple financial analysis. It takes less than five minutes and you'll receive a personalized report.

scroll to begin your journey

A financial journey is represented by a trail map with waypoints for immediate, short-term and future planning.
A financial journey is represented by a trail map with waypoints for immediate, short-term and future planning.

Take a positive step forward and gain a better understanding of your finances with this simple financial analysis. It takes less than five minutes and you'll receive a personalized report.

How to focus your financial planning.

Whether you choose to work directly with one of our financial advisors or just browse through our online tools and articles, you'll learn how to make a financial plan that is right for you. With extra know-how about investing and planning, you can save more, earn more and do more.

To better understand which financial stage of life you're in, begin our easy financial analysis.

Start Your Review Meet Our Advisors
A young woman smiles with delight while reading a financial document.

Immediate Planning

Immediate planning is all about managing life's daily expenses and ongoing bills. By knowing where every dollar goes, you can make the most out of your money and master those small steps that help you accomplish your big goals.

  • Monthly bills
  • Budgeting & cash flow
  • Credit & debt payments
  • Saving for big goals
  • Emergency fund
  • Large purchases

Talk to someone about immediate financial plans.
Contact Advisor

Sitting in front of a home, a father happily steadies his 1-year-old daughter as she stands.

Short-term Planning

Feel better prepared and protected for the big things on your financial journey. From buying a home to raising a family, every step forward can be on more solid ground.

  • Housing
  • Home refinance
  • Health savings account
  • Saving for college

Talk to someone about short-term financial plans.
Contact Advisor

A 50-something husband and wife sit close to each other and share a laugh while dining outside on a warm day.

Future Planning

Year by year, the right money moves toward retirement can really add up. The great part is knowing that it doesn't have to be overwhelming, and the best advice is to simply start.

  • Retirement planning
  • 401k/Roth IRA/investments
  • Estate planning
  • Financial planning
  • Insurance

Talk to someone about planning for the future.
Contact Advisor

The path of your financial journey is marked by major life stages.

No matter where you begin, FNBO is with you where you are, by your side, to provide guidance and encouragement along the way, including this financial analysis. Begin now.

Start Your Review

20s

An illustrated financial growth chart, a piggy bank, a graduation cap and a small auto represent financial planning in your 20s.

Start strong and begin early. Create a future you'll appreciate.

  • Create a budget
    Find ways to save. Stick to the rules you set.
  • Reduce debt
    Set a date for paying off student loans and credit cards.
  • Begin investing
    It's okay to start small. Look at a Roth IRA or your employer's 401k.
  • Start an emergency fund
    Work toward $1,000. Then aim for 3 to 6 months of expenses.
  • Plan for large expenses
    A home, car, marriage and family could be in your future.
  • Consider a college savings plan
    If you have kids, a savings plan (like a 529) is a great way to save for their education.
checklist

30s

An illustrated home with a coin slot in the roof, a calculator, a credit card and a first aid kit represent financial planning in your 30s.

More responsibility means creating a more-focused plan for life's adventure.

  • Increase contributions
    Pay yourself first. Put more into your 401k or Roth IRA.
  • Don't go it alone
    Talk to an advisor about meeting your long-term goals.
  • Evaluate insurance coverage
    Get protection for health, disability, life (if married and/or have kids), identity and everything you own or rent.
  • Improve your credit score
    Make large purchases easier with lower interest rates.
  • Manage saving and debt
    Build your safety net while paying off loans.
checklist

40s

An illustrated family of four is next to icons of a home, health care, and paperwork representing financial planning in your 40s.

As life gets busier, a trusted partner can help you stay the course.

  • Prioritize retirement
    Maximize contributions and see if you're on track.
  • Check your spending
    More purchasing power doesn't mean you have to use it.
  • Get a checkup
    Take wise steps for health and wellness.
  • Create a will
    Take one more proactive step, just in case.
checklist

50s

Illustrated icons for travel (like a jet), health care (a medical kit), and investing (coins) depict elements of financial planning in your 50s.

There's still time to invest as retirement comes into view.

  • Assess your plan again
    Be able to maintain your current standard of living.
  • Look into 401k and IRA catch-up
    Take advantage of expanded rules.
  • Evaluate your mortgage
    Get closer to eliminating your last substantial debt.
  • Explore long-term care planning
    Help maintain your independence in retirement.
  • Learn about Social Security and Medicare
    Research and know the benefits you can expect.
  • Be supportive
    Help take care of aging parents.
checklist

60s

An illustrated gray-haired couple ride bicycles next to a life-sized financial growth chart.

Protect what you've earned. Prepare for what's ahead.

  • Choose a year for retirement
    Imagine what life without work looks like.
  • Double-check
    Evaluate insurance and healthcare needs and income from investments
  • Create a retirement budget
    Do a trial run to see how it feels.
  • Consider estate planning
    Think about a legacy for your family.
  • Help family
    Consider starting a college savings plan for the grandkids.
checklist

70+

An illustration of a retired couple playing with children and enjoying the fruits of their financial planning.

It's not the end of a journey. It's the start of a new chapter.

  • Watch your portfolio
    Manage risk to have income throughout retirement.
  • Give your time
    Volunteer or pursue a passion project.
  • Give to charity
    Find a cause close to your heart.
  • Enjoy!
    Start checking items off your bucket list.
checklist
Start Your Review
An illustration of an almost-circular piggy bank represents retirement planning.

Spending & Saving

66%

of millennials say they have started saving for retirement.1

Health care costs are represented with illustrations of large coin icons next to a stylized first aid kit.

Retirement

15%

of retirement income will go toward healthcare.2

An illustration of an open wallet represents budgeting.

Budgeting

44%

of millennials say they have a budget and stick to it.1

An illustration of an oversized coin is held enthusiastically by an illustrated young man.

Take a moment to know more.

Start Your Review

Get in touch.

Let's talk about planning and improve your financial journey.

Contact Us Today

We are FNBO.
The great big small bank.