For today's advisors, social media is no longer optional. It's one of the first places prospects go to learn about financial topics, evaluate advisors and decide who they want to work with. In fact, 79% of Gen Z and Millennial clients and prospects turn to social media for financial advice. And it's not just younger generations paying attention. Nearly half of high-net-worth investors are more likely to engage with advisors who maintain a consistent social media presence.
The opportunity is clear. Advisors who show up consistently online have more chances to build credibility, stay visible and create meaningful connections before a prospect ever schedules a meeting.
The challenge? Knowing what to post.
One of the simplest ways to create relevant content is to focus on the financial planning conversations people are already having. Major life events often trigger new financial questions and decisions, making them natural opportunities to educate clients and prospects.
That’s exactly what inspired the 11 posts below.
| Mike McGlothlin, CFP®, CLU®, ChFC®, LUTCF®, NSSA® EVP, Retirement Ash Brokerage |
Built around our Life Events Timeline, these ready-to-share social media captions are designed to help you speak to common milestones, financial concerns and planning opportunities your clients and prospects may be experiencing right now.
They can also be adapted to fit your preferred platform and personal style by:
My favorite part of being a financial advisor is working through challenges and watching years of planning turn into real-life milestones.
When you:
But here’s what I know. Every milestone brings a new set of questions, opportunities and decisions.
That’s why I often walk clients through this Life Events Timeline: https://cdn.ashbrokerage.com/uploads/40032-Life-Events-Timeline.pdf
It’s a simple way to look at where you are today, what financial priorities may deserve your attention right now and where you might be headed next.
Take a look at it to see where your next chapter could lead. And when you’re ready to start planning for it, I’m here to help.
Successful people often spend years managing investment risk.
But investment risk isn't the only risk that matters.
What would happen if a death, disability, long-term care event or business disruption created a large financial obligation at exactly the wrong time?
Often, insurance isn't about generating a return. It's about transferring a risk you don't want to bear alone.
Something worth thinking about.
Most people don’t review their insurance coverage until something happens. The problem is, life changes all the time.
Too often, insurance and financial planning become a “set it and forget it” exercise.
Coverage gets put in place, policies are filed away and years pass without another look.
But certain milestones can significantly change your financial responsibilities, priorities and risks.
That’s why some life events should trigger a fresh review of your planning strategy, including:
Each of these moments can impact everything from beneficiary designations and income protection to estate planning and long-term financial goals.
And if you don’t keep your coverage up to date, your life could outpace your plan.
So, what’s happened since the last time you reviewed your policies?
Quick question. When was the last time you reviewed your beneficiaries?
What’s surprising is that beneficiary designations can sometimes override instructions in a will.
That’s why keeping them current is just as important as creating the plan in the first place.
Marriage. Divorce. The birth of a child. The loss of a loved one.
Any of these milestones can be a reason to take another look.
The good news? It’s one of the easiest planning tasks to complete.
A few minutes spent reviewing your beneficiaries today (I can help with this!) could help ensure your assets are distributed according to your intentions tomorrow.
If you’re engaged or recently married, here are 3 things worth doing sooner than later.
#1. Update your beneficiaries. Many retirement accounts, investment accounts and insurance policies pass directly to the beneficiary listed. Make sure those designations reflect your current wishes!
#2. Review your life insurance needs. When two lives become financially connected, protecting each other becomes even more important. Marriage is often a good time to evaluate whether your coverage aligns with your new responsibilities and future plans.
#3. Revisit your financial goals. Buying a home. Starting a family. Paying off debt. Your goals may look different now than they did when you were planning on your own. Make sure your financial strategy reflects what you’re building together.
While these are a great place to start in your exciting new chapter, it’s just the beginning.
Your financial plan will be an ongoing process of aligning your plans with the life you’re creating together
Congrats on your engagement or marriage!
A new job could be one of the fastest ways to create a gap in your financial plan.
A bigger paycheck often feels like progress.
But it can also mean your existing coverage no longer keeps pace with your income.
Many people enroll in their new benefits and assume they’re fully protected.
The reality is that changes in salary, bonuses and employer benefits can create gaps that aren’t always obvious.
That’s why a job change is a great time to review:
Remember! Your career isn't standing still. Your financial strategy shouldn't either.
An empty nest creates more than extra space in your home. It often creates space for a new financial planning conversation too.
For years, many financial decisions are centered around providing for your family.
You’re saving for college, maintaining income protection and making sure the people you care about are taken care of.
But when the kids are grown and building lives of their own, priorities often begin to shift.
You start to question if you’re on track for your retirement, what kind of legacy you want to leave and the most efficient ways to transfer assets to the next generation.
An empty nest can be a natural reminder to revisit your financial plan and make sure it reflects the next chapter, not the one before.
Many financial assets are valuable.
Not all of them are liquid.
Sometimes the challenge isn't wealth.
It's having access to cash when it's needed.
Creating liquidity at the right moment can solve problems that even significant wealth cannot.
As a business owner of a certain age, you have probably heard some version of “When are you going to retire?”
But I like to start with a different one.
“Is your business ready for you to retire?”
The reality is that every business owner will exit their business at some point, whether by choice or by circumstance.
Having a plan in place for leadership, ownership and continuity is just as important as that retirement date.
That plan doesn’t come together overnight.
It’s the result of looking at all the options and creating a thoughtful succession plan that fits your needs … long before it’s needed.
A good rule of thumb? I encourage the business owners I work with to start planning at least 5-10 years before you expect to exit. The more options you want, the earlier the conversation should begin.
Very few people talk about this shift in retirement conversations.
For years, planning is centered around how much you saved and how your investments are performing.
But as retirement gets closer, you realize your portfolio stops being a savings vehicle and starts becoming a paycheck.
That’s why it’s important to understand where your retirement income will come from.
How much are you getting from Social Security? What can you afford to take out from your retirement accounts?
If you notice a gap in what you’ll be getting and what you want to get, it may make sense to explore ways to create more predictable income – like annuities – as part of an overall retirement strategy.
So, you might know how much is saved. The bigger question is: Do you know how much income those savings could provide each month?
Most people don’t wake up one day and decide to explore care planning. More often, it’s a life event that changes the way they think about the future.
They’re caring for a parent. Retirement is getting closer. Healthcare costs become more real.
If this sounds like you, keep this in mind!
The earlier care conversations happen, the more choices people tend to have.
You don’t have to be an influencer to get the attention of clients and prospects on social media.
The important thing is to start showing up consistently. Over time, those small efforts can help you stay visible, demonstrate your expertise and create opportunities. But these captions are a great place to start!
Source: 2026, BlackRock Advisor Center. https://www.blackrock.com/us/financial-professionals/insights/social-media-marketing-for-financial-advisors