Emergency Fund Planning

Build a financial safety net so life’s surprises don’t throw you off track.

An emergency fund isn’t just a nice-to-have — it’s the foundation for financial peace of mind. We’ll help you determine the right savings target, where to keep it, and how to build (or rebuild) it in a way that supports your overall financial plan.

What We’ll Cover

How much to set aside based on your lifestyle, income stability, and risk tolerance
Where to keep your emergency fund (balancing accessibility and interest earned)
Whether multiple “buckets” (true emergencies vs. short-term buffers) make sense
Strategies to build or rebuild your savings over time
How your emergency fund interacts with other financial priorities (like investing or debt payoff)

Why it Matters

Without an emergency fund, unexpected expenses — from medical bills to job loss — can trigger stress and derail long-term goals. With one in place, you’ll gain peace of mind, greater flexibility, and the confidence to take bold steps — like a career pivot or parental leave — without the stress of wondering how you’ll cover the unexpected.

A Personal Example

When my wife and I left our W-2 jobs to move to New Hampshire and launch our businesses, one of the first things we did was shore up our emergency fund. Knowing we had that cushion gave us the confidence to take bold steps with far less stress — and it’s a practice I still help clients prioritize today.

Planning Topics

Core Building Blocks

Planning Through Transitions

Special Topics

Related Blogs

Reimagining Your Emergency Fund: A Blueprint for Financial Peace

by Matt Sheers | Aug 15, 2024

An emergency fund is widely discussed as a must have for your financial plan. Yet, I find that...

Ready to create a safety net that gives you peace of mind?

Emergency fund planning is a foundational piece of the Financial Empowerment Plan. It’s also a recurring checkpoint in the Ongoing Planning Relationship as income, expenses, or goals shift. If you’re simply deciding how much to save or where to keep it, we can also address it in a Targeted Planning Session.

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