When life throws you a curve, who are you going to call? It’s your trusted financial representative.

Life happens. Whether it’s a marriage or divorce, career changes, or an unexpected illness, all are part and parcel of day-to-day life. Each one can impact your finances. Should you experience a life event, would you know when to call your financial representative?

The answer would be any time. While financial representatives schedule annual reviews for their clients, they encourage them to call when they have questions and changes. Here are five times when you definitely should make the call.

When to Call Your Financial Representative Infographic

5 Times When You Should Call Your Financial Representative

  1. Career Changes. You’ve graduated from college. You might think it’d be premature to meet with a financial representative, because you’re not yet making money. But, you really should. They can help you figure out how to pay down student loans and determine your financial goals. Parents of college graduates should speak to their rep about putting money used to pay for tuition toward retirement.

If you lose your job, place that call right away to your rep. They’ll suggest ways to make ends meet until you’re re-employed. If you must care for an ill spouse or aging parent, call to determine how to replace your lost income.

  1. Relationship Changes. Many monetary issues arise from the joining of income. Newlyweds need to be on the same page when it comes to financial goals. Financial reps can develop a strategy to get you there. This will help you avoid one of the leading causes of divorce – fighting about money.

Divorce is another important reason to call. The end of a marriage is an emotional time for everyone involved. Your rep can provide you with objective advice, so you can make decisions that may help avoid losses.

  1. Lifestyle Changes. Call anytime you make a major purchase, such as buying a new home or vacation property. The same is true if you sell a house. Your rep can show you ways to continue making payments if something happens to you or your spouse.
  1. Ownership Changes. When you start a new business, your representative can suggest ways to protect that business, as well as yourself. If you’ve decided to sell or close your business, he or she can offer ideas to help avoid losses.
  1. Life Events Changes. Emotional events, such as a birth, a death, or a life-threatening illness, require objectivity. Your financial representative can provide the distance needed to deal with financial issues that may arise.

With a death, you may receive an inheritance. Your representative can help you decide how to put that money to work for you. Or, should you face a debilitating illness or injury, they can suggest ways to pay for these costly medical situations.

When life happens – and it will – one of the first phone calls you should make is to your financial representative. They’ll be there to help you deal with whatever life throws your way.