At ages 46-65, the people in this group are typically just as busy as those in the early years, these are also people in transition. Kids graduating, grandkids arriving, income often rises. The middle years are a time to maximize the power of your income to give you more choices for the future. Long term health care planning should be addressed. Middle year’s people are getting close enough to the retirement years to make a logical forecast as to what their lifestyle might look like. A lot of the time Troy spends with clients is devoted to planning for retirement. While people are in their working years the focus in on saving the proper amount, the proper way to make sure retirement will be a timely event in their lives. This group also tends to start thinking more about their physical health, which is another topic that Troy is very interested in helping with.