The Financial Mess Many Families Discover Too Late
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https://calendly.com/jeremy-basewealthmanagement
Somewhere between planning travel and sorting through aging parents’ paperwork, many families discover something overwhelming: scattered accounts, old statements, confusing investments, and financial products that no longer fit the person they were meant to help.
In this video, Jeremy Riggs, CFP®, explains why financial organization becomes so important during retirement and family transitions, especially when accounts are spread across multiple institutions with different rules, timelines, and restrictions.
Jeremy shares a recent story involving a family trying to simplify their mother’s finances after discovering scattered balances, outdated accounts, and investment offers that sounded attractive on the surface but came with major strings attached.
This conversation covers:
• Retirement account consolidation
• Organizing family finances
• Reducing unnecessary complexity
• Income portfolio planning
• Liquidity and access to cash
• Avoiding high-commission financial products
• Simplifying retirement planning
• Creating clearer financial visibility for families
• Portfolio risk and retirement confidence
Jeremy also explains why clarity can often be more valuable than chasing complicated financial incentives or bonuses. In many cases, simplifying accounts and creating a structured plan can reduce stress while improving flexibility and peace of mind.
If your family’s finances feel scattered or difficult to manage, this may be the right time to step back, organize everything clearly, and evaluate whether your current setup truly supports your long-term goals.
Schedule a portfolio risk review or consolidation checkup using the link below to discuss your current situation and build a clearer financial roadmap.
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BASE WEALTH MANAGEMENT is an SEC-registered investment adviser and offers advisory services in jurisdictions where it is properly registered, notice-filed, or otherwise exempt from registration requirements. Base Wealth Management renders individualized responses to persons in a particular state only after complying with applicable SEC and state regulatory requirements or pursuant to an applicable exemption or exclusion. Registration with the SEC does not imply a certain level of skill or training. Different types of investments involve varying degrees of risk, including the potential loss of principal. Past performance is not indicative of future results, and there can be no assurance that any investment strategy will be successful. There is no guarantee that any portfolio will achieve its investment objectives or outperform any benchmark or index.
Different types of investments involve varying degrees of risk including the potential loss of the entire principal invested. Past performance is no guarantee of future results and there can be no assurance that any specific investment will be profitable. There are also no assurances that any portfolio will match or outperform a particular benchmark or index.
This material is provided for informational and educational purposes only and does not constitute investment advice or a recommendation to buy or sell any security. It does not constitute tax or legal advice. References to market indices are for context only. Consult a qualified financial professional before making any financial decisions.
BASE WEALTH MANAGEMENT does not represent, warranty, or imply that the services or methods of analysis employed by the firm can or will successfully identify market tops or bottoms, or insulate clients from losses due to market corrections or declines.
BASE WEALTH MANAGEMENT will provide all prospective clients with a copy of our current and prior to commencing an Advisory relationship. Existing clients will receive a copy of these documents on an annual basis. A copy of our current ADV Part 2 Brochure is available at adviserinfo.sec.gov.
The Retirement Reality Check is an educational tool intended to help individuals identify areas that may warrant further planning discussion. It is not a financial plan, investment recommendation, or guarantee of retirement readiness.
Statistics cited on this page are drawn from third-party research and are provided for general educational context only. Individual circumstances will vary. 1,2,5 Employee Benefit Research Institute (EBRI), 2023 Retirement Confidence Survey. ebri.org. 3 Federal Reserve, Report on the Economic Well-Being of U.S. Households (2023). federalreserve.gov. 4 Federal Reserve, Survey of Consumer Finances (2022). 5 Vanguard, How America Saves (2023); National Institute on Retirement Security, Retirement Insecurity 2024.
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