Independent Retirement Plan

Many aging parents face the prospect of financial dependency in their later years, leading to a reliance on their children. This expectation places immense financial and emotional strain on the younger generation, who are often grappling with their own economic challenges, leading to guilt, resentment, and fractured family relationships. The core issue is a lack of proactive, long-term financial planning that accounts for modern economic realities and the desire for personal independence for both generations.

A specialized financial planning and education service can address this. It would offer personalized strategies for building diversified, passive income streams—through investments, real estate, or side businesses—that are completely separate from their children's finances. This service would provide tools, workshops, and one-on-one coaching to help pre-retirees create a robust, self-sufficient retirement plan, ensuring they can maintain their lifestyle and independence without becoming a financial burden, thereby preserving healthier family dynamics.