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Guides by life situation

15 guides, grouped by life stage and by life event. Each has an action checklist, the calculators for that situation, and recommended reading. All of them are free and work without an account.

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By life stage

Where you are in your financial life.

  1. College Student
    Starting your financial journey right — building habits that compound over a lifetime.
    7 steps, 4 tools
  2. Young Professional
    The decade that determines your wealth trajectory — maximize compounding time and avoid wealth-destroying habits.
    7 steps, 4 tools
  3. Self-Employed / 1099
    Mastering taxes, retirement savings, and cash flow when you work for yourself.
    7 steps, 4 tools
  4. Pre-Retiree (50+)
    The last decade before retirement — maximize contributions, optimize taxes, and build a clear distribution plan.
    7 steps, 6 tools
  5. Retiree
    Managing wealth in retirement — drawing down accounts efficiently, minimizing taxes, and protecting what you built.
    6 tools
  6. High Net Worth
    Advanced planning for complex finances — tax efficiency at scale, asset protection, and legacy strategies.
    4 tools
  7. Immigrant / NRI
    US financial planning for immigrants — FBAR compliance, dual-country assets, and building a strong US financial foundation from day one.
    7 steps, 6 tools

By life event

A change that reshapes the plan.

  1. First-Time Home Buyer
    A home is the largest purchase of your life — know your numbers before you fall in love with a house.
    8 steps, 7 tools
  2. Getting Married
    Combining finances, updating tax withholding, and building a shared financial plan from day one.
    10 steps, 5 tools
  3. Having a Baby
    Planning for new costs, maximizing parental leave, and starting a 529 the right way.
    9 steps, 5 tools
  4. Job Change
    Rolling over your 401(k), adjusting withholding, and managing the financial gap between roles.
    8 steps, 5 tools
  5. Divorce
    Rebuilding your financial picture after separation — accounts, beneficiaries, tax filing, and your solo financial plan.
    8 steps, 5 tools
  6. Aging Parents
    Navigating caregiving costs, estate planning conversations, and protecting your own retirement while supporting your family.
    7 steps, 4 tools
  7. Widowhood
    Navigating the financial transition after loss — consolidating accounts, updating beneficiaries, and rebuilding a solo financial plan.
    8 steps, 5 tools
  8. NRI Returning to India
    Planning a move back to India — calculate the corpus, manage US accounts wisely, and navigate the cross-border transition.
    8 steps, 6 tools
Educational disclaimer. Everything on WealthSerene.com is educational and is not investment advice. Projections and calculations are illustrative; actual results depend on market conditions, your situation and factors outside this tool’s scope. For a decision specific to your situation, consult a qualified financial professional. View full disclosures