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
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.
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 Banker
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 Loan Officer
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 Financial 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.
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.
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.
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.
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.
60s
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.
70+
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.
Spending & Saving
66%
of millennials say they have started saving for retirement.1
Retirement
15%
of retirement income will go toward healthcare.2
Budgeting
44%
of millennials say they have a budget and stick to it.1
