Generations Financial Planning Series: Generation X – Navigating Peak Complexity

Harrison Deshazo, CFP®, Sean Lacey, CFP®, CIMA®, CRPC ™, Series 65

June 1, 2026

In this video, Harrison DeShazo, CFP^®, Associate Wealth Advisor in Waverly Advisors’ Austin, Texas office, and Sean Lacey, CFP^®, CIMA^®, CRPC™, Wealth Advisor in the Canon City and Colorado Springs, Colorado offices, continue our Generations Financial Planning Series with a focus on Generation X.

Whether you’re evaluating retirement readiness, balancing competing financial priorities, supporting aging parents, helping children prepare for college, managing a business, or reviewing your estate plan, Harrison and Sean discuss financial planning considerations that often arise between the ages of 46 and 61.

In this episode, they explore:

The importance of acting with urgency and taking advantage of retirement savings opportunities
Catch-up and Super Catch-Up contribution opportunities available later in your career
Helping individuals who feel behind create a plan and move forward with confidence
Navigating the challenges of the “sandwich generation” while balancing the needs of children and aging parents
College funding considerations and avoiding the mistake of sacrificing retirement security for education expenses
Planning for business succession and preparing for a future business transition or sale
Estate planning essentials, including wills, trusts, powers of attorney, and beneficiary reviews
Evaluating life insurance and liability protection needs as wealth accumulates
The importance of coordinating a team of professionals, including advisors, CPAs, attorneys, and valuation experts

The key takeaway: Generation X often faces competing priorities and increasing complexity. By taking a proactive approach and coordinating financial, tax, estate, and retirement planning decisions, individuals and families can position themselves for greater clarity and confidence as retirement approaches.

Stay tuned for the next episode in this series, where we turn our focus to Late Generation X and Younger Baby Boomers and explore planning considerations during the pre-retirement transition window.

Video recorded on Thursday, May 21, 2026

Please see important disclosures: https://waverly-advisors.com/otherimportantdisclosure/

Connect with Harrison and Sean:

Harrison DeShazo, CFP^®
Associate Wealth Advisor
Austin, TX
Email: [email protected]
Phone: 512.774.5340

Sean Lacey, CFP®, CIMA®, CRPC™
Wealth Advisor
Colorado Springs, CO
Canon City, CO
Email: [email protected]
Phone: 719.741.3330

Music Credit
Eternal Echoes by Ariel Shalom
Artlist.com

IMPORTANT DISCLOSURES

The information presented in this document is for general informational and educational purposes and is not specific to any individual’s personal circumstances. Nothing in this document constitutes, or shall be relied upon as, investment, legal, or tax advice to any person. The information in this document is provided effective as of the date of its publication, does not necessarily reflect the most current status or development, and is subject to revision at any time. Investing involves risk, and past performance does not necessarily predict future results. None of Waverly, or any of its officers, members, or affiliates, in any way warrant or guarantee the success of any action that anyone may take in reliance on any statements or recommendations in this document.

Waverly Advisors, LLC (“Waverly”) is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about Waverly, including investment strategies, fees and objectives can be found in Waverly’s ADV Part 2A Brochure and Form CRS (Customer Relationship Summary), available at https://waverly-advisors.com/.

You should not assume that any information provided serves as the receipt of, or as a substitute for, personalized investment advice from Waverly. This information should be used as a reference only.

Investment advisory services are offered by Waverly Advisors, LLC, an investment adviser registered with the Securities and Exchange Commission.
© 2024 Waverly Advisors, LLC. All rights reserved.

For more information, please see our other important disclosures: https://waverly-advisors.com/otherimportantdisclosure/

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MEET THE AUTHORS

Harrison Deshazo, CFP®

Associate Wealth Advisor

Harrison DeShazo joined Waverly Advisors in September of 2023. He serves as an Associate Wealth Advisor at Waverly. Harrison is responsible for supporting the wealth advisors and clients in the development and delivery of comprehensive financial planning services. Focused on holistic investment management, retirement planning, and insurance advising, Harrison finds great fulfillment in his role as an Advisor, as he helps clients attain clarity and peace of mind, enabling them to embrace life knowing their finances are a valuable asset, not a potential obstacle.

Sean Lacey, CFP®, CIMA®, CRPC ™, Series 65

Wealth Advisor

Sean Lacey joined Waverly Advisors in 2024 and works with individuals, families, and business owners to develop thoughtful wealth management strategies aligned with their long-term goals, priorities, and values.

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