Preceding the arrival of a newborn, there is a powerful wave of change and excitement in the air. A baby isn’t called a “little bundle of joy” for nothing, and naturally, parents and family members would be fussing around to ensure that conditions are at the optimum for the smoothest delivery of this little V.I.P. This might include shopping for infant clothing, baby cots, going for routine visits at the gynecologist’s or arguing over whether “Linda” or “Leenda” fits better as a name. Just as the joy and excitement of having a baby do not start nor stop at delivery, it is never too early to embark on important financial planning for a family and their child from birth and beyond. 

We are all photographers and videographers now. At nearly every minute of every day, most of us are carrying powerful, high resolution cameras in the form of our smartphones, ready in an instant to record meaningful (and not so meaningful) moments of our daily lives. The result is a global glut of personal images, and our lives’ most precious memories literally held in the palms of our hands.