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Empty Nest

This has been a long time coming. You’ve worked hard raising your children right, and they’re officially on their own. There sure is a lot less activity around the house, but you know what? It’s kind of nice. You definitely miss the kids, but suddenly there’s more time for your own needs and interests. Think of it as preretirement, a peek at the freedom ahead.

But still … you feel a little lonely. That’s the irony of the "empty nest" – being a parent is a strong part of who you are, and it takes a while getting used to life without those familiar routines. It's time to explore new options and chart new directions for yourself. Maybe it's time to down-size your housing, take a class, or renew a hobby.

This is also a great time to review your financial plans. Are you on track to a secure retirement? When will you plan to retire? If your retirement fund has slipped because of family commitments, you can concentrate on catching up. Our Retirement Financial Tools can help you with your planning.

Other financial steps you might want to take now include:

  • Assess your life insurance.
  • Consider buying Long Term Care Insurance.
  • Update your will.
  • Review your beneficiaries.
  • Make an estate plan.

Contact your Western & Southern Life representative for more information.

Products for this Life Stage:*

Explore tax-deferred options. annuities can help you plan for a robust retirement.

Ideas for Parents with New Freedom:

Review your retirement.

It’s as important as seeing your doctor. Make sure that policy you bought 10 years ago is sufficient coverage for your family’s ongoing needs.

Anticipate new responsibilities.

Often, empty nesters care for their own parents. Learn more about this challenge elsewhere in

Western & Southern Life does not provide tax or legal advice. Please contact your tax or legal advisor regarding your situation.

*Products suggested for this Life Stage are not a specific recommendation or solicitation to purchase.


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Last Updated: 12/14/2017