October Is Financial Planning Month: Are You Protecting What Matters Most?
October 7, 2025
This October, as Financial Planning Month shines a spotlight on financial wellness, it’s the perfect time to pause and ask: Am I truly protecting what matters most? Whether that means your family, your income, or your long-term goals, a solid financial planning strategy helps you stay ready for whatever life brings.
Financial planning is about more than saving money — it’s about creating a roadmap that balances today’s needs with tomorrow’s possibilities. Life insurance and annuities play key roles in that plan, offering stability, income protection, and reassurance for you and your loved ones.
Why Financial Planning Deserves Your Attention in October
Fall naturally invites reflection. Kids are back in school, the year is winding down, and many people are reviewing budgets before the holidays. That makes October an ideal time to take a closer look at your financial picture.
Financial Planning Month serves as a national reminder that everyone, regardless of income or life stage, can benefit from having a plan. It’s not just about managing assets; it’s about aligning your financial choices with your values and priorities. Life events, such as welcoming a new child, buying a home, or preparing for retirement, all prompt a fresh look at how well your plan protects the people and dreams you care about.
And while financial planning might sound complex, it really comes down to one question: Are you prepared for what’s next?
The Role of Life Insurance in a Strong Financial Plan
At its core, life insurance is an act of love. It’s the promise that your family will be cared for, even if you’re no longer here to provide for them. It can help pay the mortgage, cover education costs, or simply allow your loved ones to focus on healing instead of financial stress.
As your life changes, your coverage should evolve too. Review your policies regularly to verify that beneficiaries and coverage levels reflect your current circumstances. For example, a growing family, a new job, or a change in home ownership might mean that your existing policy no longer meets your needs.
People don’t buy life insurance for what it is — they buy it for what it does. It offers peace of mind and protection that lasts far beyond the numbers on a page.
How Annuities Enhance Your Retirement Strategy
Annuities are financial vehicles designed to help you convert savings into lifetime income, offering a reliable stream of funds during retirement. Unlike traditional investments, they combine growth potential with predictability — giving you confidence in your ability to cover expenses even when markets fluctuate.
An annuity can complement an existing retirement plan — not replace it. By blending the stability of an annuity with other assets, you can create a balanced approach that supports both flexibility and security. And since annuities offer tax-deferred growth, they can help your savings work harder while you plan for your future.
To learn how annuities fit into a comprehensive retirement strategy, explore educational resources from organizations such as FINRA, which provides guidance on setting clear, achievable investment goals. Then make an appointment to talk with a 1891 Financial Life advisor about how to implement those insights into a plan that aligns with your values, supports your goals, and provides confidence for the years ahead.
Protecting What Matters Most, Today and Tomorrow
Financial planning is not a one-time task — it’s a lifelong commitment to yourself and those you love. Life insurance safeguards your family’s present, while annuities help secure your future income. Together, they form the foundation of a well-rounded financial plan rooted in care, stability, and foresight.
At 1891 Financial Life, we specialize in providing tailored insurance solutions that cater to diverse needs. Our team is equipped to help you navigate these choices with expertise and compassion. Contact us today for personalized assistance and to explore how life insurance and annuities can strengthen your financial plan.
About 1891 Financial Life
Our culture is about looking out for you, for others, for family, for the community. That is how we go “Beyond Life Insurance.”
At 1891 Financial Life, we don’t just sell policies, we offer possibilities. We pride ourselves on giving back to the communities that we serve by providing quality and comprehensive insurance solutions. We are a not-for-profit life insurance Society, which means the sales from these financial service products help fund member benefits, along with social, educational, and volunteer programs designed to respond to community needs. In 2023, 1891 Financial Life was listed by Forbes as one of “The World’s Best Life Insurance Companies.”
Our portfolio is extensive, ranging from various life insurance policies to our annuities to support your financial needs no matter what stage of life you’re in.