Top five reasons people go bankrupt: (1) Medical Expenses, (2) Job Loss, (3) Poor/excess use of credit (4) Divorce/separation (5) Unexpected expenses. On average, each U.S. household with a credit card carries more than $15,000 in credit card debt. How are your finances? Are you ready for life's financial "curve balls." Are you meeting your personal goals? As an independent advisor, we only have your best interest at heart. We will not sell you anything more than an individualized financial plan designed to protect you against life's unwanted events and and put you on a path to realize your personal goals.