Are you ready for this? September is National Preparedness Month. Sponsored by the Federal Emergency Management Agency, National Preparedness Month seeks to educate Americans on preparing for natural disasters and other types of emergencies. But you’ll also need to prepare for unexpected events in many other areas of your life — particularly those events related to the financial security of you and your family.

Here are some of the most important of these events, along with possible preparations for them:

• Unanticipated early retirement. If you encounter a “downsizing” or other occurrence that results in the loss of a job, or even the end of a career, before you expected it, would you be able to avoid major disruptions to your lifestyle? To help prepare for such a loss of income, make sure to fully fund your IRA each year. The maximum contribution is $5,500 per year plus an additional $1,000 for those age 50 and older.

• Disability. Even a short-term disability can seriously harm your finances — and a long-term disability could prove devastating. Your employer might offer some form of disability insurance, but it may not be sufficient. So you may need to explore private coverage.

• Personal liability. If someone were ever injured on your property or due to some action of yours, you could face legal actions demanding hundreds of thousands of dollars. To help protect yourself, consider adding umbrella liability insurance.

• Changing family situation. Changes in your life — marriage, divorce, remarriage, children, stepchildren — can drastically affect your estate plans and the type of legacy you want to leave. To prevent unpleasant surprises for your family, make sure you periodically review beneficiary designations on your investment accounts, such as your IRA and 401(k), and work with your tax and legal advisors to update your estate-planning documents — will, living trust and so on — as needed.

• Outliving your money. Once you reach retirement, your greatest concern may be that you’ll outlive your money. To help prevent this from happening, create a sustainable withdrawal strategy — that is, determine how much you can take out each year from your investment and retirement accounts, and stick to this amount.

• Need for long-term care. You can’t predict whether you will ever need to enter a nursing home or require the assistance of a home health care worker, but one thing is for sure — these services are extremely expensive. Consider this: The national average for a private room in a nursing home is nearly $84,000 per year, according to a recent survey by Genworth, a financial security company. To help prepare for these costs, you may want to consult with a professional financial advisor, who can suggest appropriate solutions.

• Untimely death. Your absence could jeopardize your family’s financial security, particularly if you passed away while your children were still at home. To help ensure that your family could remain in the home and that your children could go to college, if they choose, make sure you have adequate life insurance.

Your passage through life will be filled with twists and turns, and you can’t always see what lies ahead. But you can ease your journey by preparing yourself for the unexpected.