Raising a child is one of life’s greatest joys—but it also comes with major financial responsibilities. From diapers and daycare to insurance and college savings, the costs can add up quickly. In fact, the average cost of raising a child to age 18 exceeds $230,000—not including college tuition.

At Vertis Wealth, we specialize in helping families prepare for life’s biggest transitions. Whether you’re expecting your first child or expanding your family, here are a few essential tips to stay financially prepared:

• Create a realistic baby budget that includes essentials like childcare, medical costs, and everyday supplies.

• Build an emergency fund to cover unexpected expenses.

• Review your parental leave benefits and plan ahead for any unpaid time off.

• Start saving early for college with a tax-advantaged 529 plan.

• Update your insurance and estate plans to protect your growing family.

• Trim unnecessary expenses to stay flexible as your budget evolves.

You don’t have to navigate this journey alone. Vertis Wealth is here to help you build a solid financial foundation for your family’s future.

Ready to take the next step? Contact us today to schedule a personalized planning session!