WORKSHEET 3.1 - Timelines, Goals, and Financial Instruments Goals/Financial Life Stages Itinerary Dependant Life Stage (Age <16) Institution Goal Date Savings Accounts Certificates of Deposit Independent Life Stage (Age 16-24) Institution Goal Date Savings Accounts Certificates of Deposit Electronic Banking / Bill Payment Services Student Loans Auto Loans Individual Retirement Accounts Credit Cards Early Family Life Stage (Age 25-40) Institution Goal Date Savings Accounts Certificates of Deposit Electronic Payment / Bill Payment Services Student Loans Auto Loans Individual Retirement Accounts Credit Cards 529 Plan 401(k) Plan Mortgage Loans Home Equity Line of Credit Investments Empty Nest Life Stage (Age 41-65) Institution Goal Date Savings Accounts Certificates of Deposit Electronic Banking / Bill Payment Services Student Loans Auto Loans Individual Retirement Accounts Credit Cards 529 Plan 401(k) Plan Mortgage Loans Home Equity Line of Credit Investments Retirement Life Stage (Age 66+) Institution Goal Date Savings Accounts Certificates of Deposit Electronic Banking / Bill Payment Services Student Loans Auto Loans Individual Retirement Accounts Credit Cards 529 Plans 401(k) Plan Mortgage Loans Home Equity Line of Credit Investments