Why Young Professionals Need Financial Planning

This week, Tim Regan is joined by guest host Kaitlyn Hedger, Associate Wealth Partner at PrairieView Wealth & Tax Partners and lead of the new Financial Kickstart Program. Together, they explore the unique financial planning needs of early career professionals and explain why financial guidance shouldn’t wait until you’re “rich.”

For many, meeting with a financial advisor feels like something reserved for later in life, when you’ve started a family or accumulated significant assets. However, as highlighted by Tim and Kaitlyn, there’s a crucial gap in the financial planning world for those just starting their careers.

Kaitlyn explains that most advisors target established investors, leaving early-career professionals – those in their first job after college or beginning a new chapter – on their own. These are people with pressing questions about workplace benefits, budgeting, and basic financial strategy, but lacking guidance. Recognizing this need, PrairieView Wealth & Tax Partners developed the Financial Kickstart Program, targeting the “HENRYs”: High Earners, Not Rich Yet.

What Is the Financial Kickstart Program?

The Financial Kickstart Program is specifically designed for early-career professionals looking to take control of their finances. Whether you’re tackling your first job post-college, navigating job changes, or facing financial decisions you don’t fully understand, the program is built to support you every step of the way.

The program focuses on demystifying financial concepts many young people find overwhelming, like employer benefits, goal setting, estate planning, and budgeting. One of the core messages from Kaitlyn is: “We expect you to know nothing. We’re going to start from base zero.” It’s a safe space for learning, asking questions, and building confidence.

The Value of a Trusted Partner

Many young professionals shy away from seeking out financial advice, fearing high fees or feeling embarrassed by their lack of knowledge. The Financial Kickstart Program works to remove these obstacles for good. For $100 a month, often less than your monthly grocery bill, you get:

• A full financial workbook with guided prompts
• Seven to eight meetings with an advisor over twelve months
• Help navigating benefits, budgeting, goal setting, and more
• Access to estate planning through a partnered law firm (think wills and powers of attorney)
• A supportive resource to consult when big financial decisions come up

Kaitlyn emphasizes the value of having a trusted advisor. “We do it every day. Maybe you’ll buy three cars in your life; we help clients buy cars probably 100 times a week.” With someone on your side, you can avoid costly mistakes and feel empowered at every milestone.

Living Your “Two Comma Life®” Today, Not Tomorrow

Two Comma Life® is a mindset rooted in abundance, freedom, and generosity. The “two commas” refers to a million dollars, but it’s more about the possibilities than the dollar amount! As Tim shares, “It’s not about the money; it’s about living an abundant life on your own terms.”

The Financial Kickstart Program helps participants clarify their life goals – like buying a house, planning a wedding, or making a big move – and align their financial decisions with these aspirations. Kaitlyn shares her own story about moving closer to lakes to enable more fishing trips with her partner – a personal example of prioritizing what matters most, without neglecting long-term plans like saving for retirement.

Accountability, Customization, and Long-Term Support

One powerful feature of the Financial Kickstart Program is the built-in accountability. With ongoing check-ins, Kaitlyn and her colleagues celebrate client wins and help adjust plans as life unfolds. By working through your individual circumstances – instead of dishing out one-size-fits-all advice – you get solutions tailored to your needs.

There’s also flexibility; after the year-long program, Prairie View continues to support and check in with you. The goal is to foster a relationship, not just complete a checklist.

Give the Gift of Financial Confidence

The Financial Kickstart Program  isn’t just for you, it can also be gifted! Tim notes how it’s a perfect way for parents or grandparents to give their loved ones a head start. Instead of wishing you’d “known better back then,” you can ensure the next generation starts off on the right foot.

Ready to Get Started?

If you’re an early-career professional who wants to take charge of your financial future – or know someone who could benefit – explore PrairieView Wealth & Tax Partners’s Financial Kickstart Program! Visit www.pv-wp.com to learn more and connect with Kaitlyn or another advisor who can walk beside you on your journey.

Financial confidence is just a conversation away—why not kickstart yours today?