The Trip You Won’t Regret: Planning Travel with Your Financial Advisor
“I’ve never had a client say they regret taking the trip. Where I have heard regret? ‘I wish we would have taken more trips while we had the health to do so.’”
– Christal, On Purpose Financial Advisor
If you’ve ever hesitated to book a dream trip or delayed a meaningful getaway because you weren’t sure if you could “afford” it, you’re not alone. For many people, travel is a bucket-list goal that’s often pushed to the bottom of the priority list—until time or health makes it harder to pursue.
But what if part of your financial planning process included intentionally budgeting for travel, not just for someday, but for now?
Your Financial Plan Should Include Joy
At On Purpose Financial, we believe your financial plan shouldn’t just be about surviving retirement—it should be about living it. That means understanding your full financial picture so you can say “yes” to meaningful experiences with confidence.
A good advisor doesn’t just talk to you about investments and account balances. They ask about your goals, your family, your dreams. If travel is part of what makes life meaningful to you, your plan should reflect that.
You May Have More Capacity Than You Think
People are often surprised when we show them what they actually can afford. That’s because they’ve spent years focusing on saving and not always on enjoying the fruit of that effort.
Here’s the truth: most people benefit from a second set of eyes on their finances—especially when they’re trying to make big decisions like taking a two-week trip to Europe, bringing the whole family to Disney, or booking the Alaskan cruise they’ve always dreamed about.
Your advisor can help you:
- Clarify how much is truly available to spend without derailing your long-term goals
- Plan how to save in advance or redirect spending to make room for travel
- Identify tax-smart ways to fund travel (like using Required Minimum Distributions wisely)
- Think ahead to future health or mobility limitations that might affect when and how you travel
Give Yourself Permission
Sometimes, what people need most is simply permission. We’ve worked with clients who had the means to take incredible trips, but they didn’t because they were worried they “shouldn’t.”
Christal puts it this way:
“I’ve had clients cry in my office after we ran the numbers and they realized, yes—they could take their grandkids to Hawaii. The only thing stopping them had been uncertainty.”
If no one has given you permission yet, let us be the first to say: It’s okay to plan for joy. It’s okay to spend money on memories.
The Cost of Waiting
There’s a very real cost to delaying travel. We’ve seen too many people wait until “someday”—only to be faced with a diagnosis, limited mobility, or other life changes that make travel difficult or even impossible.
We don’t want that for you. Let’s make a plan that gives you both peace of mind and permission to explore.
Let’s Talk About Your Travel Goals
If travel is important to you, we want to help you do it—on purpose. Reach out to your On Purpose advisor and let’s map out what’s possible.
You might be closer to your dream trip than you think.