Like Alex and Sarah, you may be in your mid-thirties to early forties with young kids running around, which takes up most of your free time. Your financial needs have evolved with the addition of kids – you are spending much more. You are juggling priorities from retirement savings, college funding, vacations, and braces while determining what to do with excess savings. Questions may arise about protecting your family if something were to happen to either of you and whether one of you can quit full-time work to focus on time with your children during their early years.