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By Life-Line.org

          Your beautiful new baby has arrived and you think you've got the safety thing under control. The house is child-proofed, you've got the pediatrician's phone number posted on the fridge, and a brand new car seat sits in the back of your minivan.  But physical safety is just part of the challenge. Unless you're Julia Roberts and your baby has a multimillion-dollar trust fund, you need a financial gameplan that will keep your baby financially safe in times both good and bad.  Here are five steps from the nonprofit Life and Health Insurance Foundation for Education (LIFE), to help you get started on the right financial foot.

Step 1 - Get Life and Disability Insurance.  From diapers to diplomas, the cost of raising a child can really add up.  If something awful were to happen to you or your spouse, life and disability insurance offer a safety net to keep your loved ones' financial lives on track.  For an estimate of your insurance needs, try online calculators like the ones from the LIFE Foundation at www.life-line.org/lifecalculator and www.life-line.org/disabilitycalculator

Step 2 -Build an Emergency Savings Fund.  You never know when your roof will spring a leak or when the job market will turn sour.  Keeping six months of income in a savings account or money market fund can help weather life's inevitable pitfalls.  Try setting aside money at the beginning of the month, not the "extra" at the end - there's rarely any extra! 

Step 3 - Start Saving for College.  Your baby may not even be crawling yet, but with college costs rising 40% in the last decade, it's a good idea to start saving early. Consider opening a Section 529 college savings account. Contributions are tax deductible in many states, and money can later be withdrawn from the plan tax-free to pay for a wide variety of educational costs.

Step 4 - Pay Less Taxes.  Many employers offer flexible spending accounts which allow you to set aside thousands of dollars in pre-tax income to pay for qualified childcare and healthcare expenses.  Depending on which tax bracket you are in, using these accounts can save you thousands of dollars a year.

Step 5 - Talk to a Pro.  The financial stakes rise considerably when you bring a new child into the world, which is why it's always wise to seek the advice of a qualified financial professional.  For tips on how to find the right advisor and a search function to pull up names of qualified professionals in your area, visit www.life-line.org/agentlocator.