Financial Planning for Families Balancing Kids and Parents

 

Three generations, one coordinated plan—for kids’ costs, parent care, and your retirement.

If you’re supporting kids and aging parents while keeping your own future on track, you need more than a financial plan—you need an advisory team that coordinates decisions across three generations.

 

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What You're Navigating Right Now

Life is full for the Sandwich Generation: you’re raising kids and helping a parent—while trying to keep your own plan moving. Common knots we help untangle:

  • Funding kids and retirement: balancing education/support with long-term savings, setting clear trade-offs and targets for each.

  • Parent care & family roles: choosing home care vs. assisted living, discussing how to pay, confirming decision authority, and aligning adult siblings.

  • Work trade-offs: evaluating reduced hours or leave and the impact on benefits, health insurance, and retirement contributions.

  • Taxes in motion: anticipating capital gains, distributions, and financial-aid timing before they create surprises.

  • Massachusetts estate tax exposure ($2M threshold): recognizing how home equity and savings can push you over, and planning titling, trusts, and gifting accordingly.

  • Busy but overdue planning: updating estate documents and trusts, reviewing insurance, incorporating blended-family changes, and simplifying paperwork with plain-English checklists.

 

What Success Looks Like With the Right Plan

  • You have clear targets for kids’ costs and retirement, so both stay on track.
  • You have a parent-care plan so you feel prepared.
  • You have considered the "what if" scenarios for reducing work hours or taking leave.
  • Your tax strategy adapts proactively to tuition timing, capital gains, and distributions.
  • Your estate and insurance plans and beneficiaries are up to date, coordinated, and easily accessible.
  • You feel in control of your finances without needing to find more hours in your week.

It’s not that you don’t have the resources. It’s that the moving parts now span three generations and have outgrown an ad hoc system or a siloed advisor. You're ready for a better way forward.

Gen X Sandwich Generation Financial Planning conversation while grilling

What to Expect

 

A Structured Relationship

Onboarding is a 4–6 week process where you share your priorities, we review your income and expenses, tax returns, and accounts, design a coordinated plan across investments, taxes, income, estate, and insurance, and implement it together—with your attorney or insurance partners as needed.

Ongoing, we use real-time modeling for the “what-ifs” in life, so decisions are paced and thoughtful—not rushed or reactive. Our seasonal meeting schedule allows us to focus deeply on one area of the plan at a time, while also being ready to adapt when life changes.

Spring

Tax return delivery and forward-looking projections

Summer

Risk management —insurance review and weincluding a review of your insurance and estate plan

Fall

Investment performance, what-ifs, and next year's planning

Transparent Fees. No Commissions. No Surprises.

We are a fee-only fiduciary firm, which means we don’t take commissions and we’re legally obligated to act in your best interest. No clock-watching. You’ll know your fee before we begin.

 

One Team for Your Full Financial Picture

At Sachetta, your advisor holds credentials in both financial planning and tax. That means your investment decisions, compensation, tax strategy, and risk management all happen in sync—not in silos.

We offer full-service financial guidance that includes:

Financial planning

tailored to your assets, income, and goals

Investment management

designed around your risk tolerance and to reduce tax drag and risk

Tax strategy and return preparation

by professionals who know your full picture

Risk management

through coordinated estate planning and insurance planning

 

When People Reach Out to Us

Some clients come to us after a tax surprise. Others reach out after a major job change, hoping to make smart planning moves instead of reactive ones.

Sometimes it’s a family change: aging parents who need help, a second marriage, or a child heading to college. And sometimes, it’s just a feeling that the system they’ve outgrown is starting to crack.

 
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When Gen X chooses wealth management

Planning in Practice


Behind every financial plan is a real life—full of deadlines, family goals, and important decisions. These stories reflect the kinds of challenges our clients bring to us, and how we build calm, clear strategies in response. While stories are fiction, the strategies are true to life.

Click the cards below to read the stories:

Helping mom stay in her home Newton MA with financial planning

A Newton couple balances work with supporting Mom nearby while keeping up with their own retirement and college savings.

Read the full story
Budget for parents at home and college savings so a family can enjoy their camping trip

Siblings coordinate parents’ at-home care with a simple budget while kids’ costs and retirement stay on track.

Read the full story
Blended family investments and estate planning in MA

A newly blended family realigned investments, insurance, beneficiaries and education savings (for college and trade school)—without turning life upside down.

Read the full story

Whatever brings you here, you don’t need to untangle it alone.


Let’s talk through what’s going on, what’s ahead, and what coordinated planning could do for your peace of mind.

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Last updated September 11, 2025.