At ages 18 -45, the lives of this busy age group are often consumed with keeping up with day to day life. Priorities include finishing school, raising children and etc. Troy works with these busy people in a variety of ways. Basic things like having enough money for survivors in the event of an early death, saving for retirement and college funding seem to be common issues this group faces. Since people in the early years typically depend solely on their earned income to support their lifestyle Troy also works with them to make sure their income can continue at some level if they are sick or hurt and can’t work. As with any age group, taxes and the effect they have on our lives are always a topic of interest for those in the early years.