Looking after your finances isn’t always easy. On top of the stress of managing your bills while saving for the future, financial stress also has a large impact on your emotional and physical wellness. Money related issues are the top sources of stress for adults in the US, with financial issues impacting 79% of Americans.1
If you’re feeling the impacts of financial stress, I can help. People who work with a financial professional often report better financial wellness compared to those who manage their finances without professional assistance.2 I can help alleviate some of your stress by playing the following roles:
1. A behavioral coach to keep you in check
Financial professionals like myself often have a great ability to remain calm during financial turmoil. We can act as a behavioral coach to keep you from making hasty decisions.
Individuals who work with a financial professional are more likely to stick to their long-term financial plans and remain calm during times of market volatility.3 Both of which can help you achieve your goals. 85% of people who work with a financial professional believe they are on track to meet their financial goals.4
The ability to weather the stress of financial disruption can be influenced by your behaviors. People who work with a financial professional are more likely to save and invest extra money instead of spending it, and they’re more likely to forgo small, short-term rewards in lieu of earning larger, long-term rewards.5
2. A professional to celebrate your wins with you
Not only are financial professionals a supportive resource during tough times, but we can also be an asset during the good times.
When you get a big raise at work, the emotional payoff is straightforward. But the economic considerations can be complex. Do you use it to whittle down student loans? Sock it into savings? Or treat yourself to something special? By helping you plan for taxes and strategically budget the increased income, I can help you do all of the above with no guilt.
Another common time of financial stress is when you’re preparing for parenthood. This happy milestone in your life also comes with more financial responsibilities. This may be why 71% of people who are married with dependents work with a financial professional.6 I’ll take into account what you want for your children as well as your other goals to help craft a financial strategy that takes care of your family and fulfills your personal long-term goals.
3. A guide to prepare you for retirement
Retirement planning is the top reason that people turn to a financial professional for help. And of those who work with a financial professional, 68% say they don’t have any regrets about how they’ve financially prepared for retirement so far.7 Working with a financial professional can help you avoid panic, control your emotions, and make confident decisions in the face of economic uncertainty. It can translate to a 3% higher return on average for investors who use financial professionals than for those who go the DIY route.8 Over a lifetime, that can make a significant difference in wealth accumulation for retirement.
Financial confidence and emotional confidence are inextricably linked and critical to how people feel overall about their sense of financial wellness. So, whether you’re expanding your family or preparing for retirement, it’s never too late to reach out to me for help along the way.
Disclaimer
1 Mind, Body, and Wallet®, Guardian’s 14th Annual Workplace Benefits Study, 2025, https://www.guardianlife.com/reports/mind-body-wallet
2 Ibid
3 Ibid
4 Ibid
5 Ibid
6 Ibid
7 Ibid
8 Celebrating Vanguard Advisor’s Alpha: Clients and their advisors thriving together for 25 years, Vanguard, 2025, https://advisors.vanguard.com/insights/article/celebrating-25-years-of-working-to-improve-outcomes-for-you-and-your-clients
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This material is intended for general public use. By providing this content, The Guardian Life Insurance Company of America, and their affiliates and subsidiaries are not undertaking to provide advice or recommendations for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial professional for guidance and information that is specific to your individual situation. Material discussed is meant for general informational purposes only and is not to be construed as tax, legal, medical, or financial advice. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, medical, or finance advice. Consult your tax, legal, medical, or finance professional regarding your individual situation.
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