The Situation
Andrew, a recent hire at a large tech company, earns a strong salary but struggles to balance his financial goals—saving for a home, preparing for retirement, and building long-term wealth. Living in an expensive city, he had yet to make saving a clear priority.
Our Approach
We helped Andrew by:
Home Savings Plan: Set a target savings goal and automated monthly contributions to a high-yield savings account for a future down payment.
Retirement Planning: Guided Andrew in enrolling in his employer’s 401(k) with a company match and discussed how different contribution types could impact his long-term savings.
Wealth Building: Established a brokerage account with a diversified mix of low-cost index funds to support flexible investing.
Budgeting & Flexibility: Built a budget framework that allowed him to save consistently while still enjoying his lifestyle.
The Results
Andrew now has greater clarity around how his short- and long-term goals fit together. He has a plan for building savings toward a future home purchase, is contributing to his retirement plan, and has begun investing through a brokerage account for added flexibility. With these steps in place, Andrew feels more confident about balancing today’s lifestyle with tomorrow’s financial goals.
.jpg)
The Situation
Mark and Emily are in their late 50s and looking ahead to retirement within the next five years. Mark wants to retire early, but much of his wealth is concentrated in company stock, while Emily plans to continue working a few more years. Together, they need a strategy to diversify investments, manage taxes, and coordinate retirement timing—while also securing healthcare coverage until Medicare eligibility.
Our Approach
We helped Andrew by:
Tax-Efficient Withdrawals & Roth Conversions: Modeled Roth conversion strategies and structured withdrawals to help manage their tax exposure.
Managing Company Stock: Diversified Mark’s concentrated stock position to reduce risk while maintaining growth potential.
Healthcare Planning: Explored ACA and private insurance options to bridge the gap until Medicare, ensuring continuous coverage.
Retirement Cash Flow & Lifestyle Planning: Created a cash flow model that balanced Mark’s early retirement income with Emily’s ongoing salary, providing clarity on how they could sustain their lifestyle.
Retirement Goals Alignment: Alligned their retirement timelines so both could transition into retirement with confidence and flexibility.
The Results
Mark and Emily now have a clearer path to retirement. Their investments are more diversified, their tax planning strategies provide flexibility, and they have a plan to cover healthcare costs before Medicare kicks in. With a structured cash flow model and aligned retirement goals, they feel confident about making the transition on their terms.
The Situation
Carol (60) and Tom (62) had recently stepped away from full-time work after decades of saving and investing. With retirement underway, their priority was creating a sustainable income stream that supported their lifestyle. They wanted guidance on when and how to claim Social Security, how to structure withdrawals from their retirement accounts in a tax-efficient way, and how to bridge healthcare costs before Medicare coverage began.
Our Approach
We helped Carol and Tom by:
Social Security Optimization: Reviewed their benefits and modeled claiming strategies to coordinate spousal benefits and maximize long-term income in a tax-efficient way.
Investment Income Strategy: Structured a diversified portfolio aimed at providing reliable income throughout retirement, with a focus on conservative, income-producing assets.
Healthcare Planning: Explored ACA and private insurance options to cover healthcare costs until Medicare eligibility, helping them manage out-of-pocket expenses.
Tax Minimization: Developed a withdrawal strategy to spread taxable income over time and reduce exposure to higher tax brackets.
Cash Flow Analysis: Modeled their monthly income needs to align with everyday expenses, travel, and lifestyle goals.
The Results
Carol and Tom now have a coordinated retirement income strategy that integrates Social Security, investment withdrawals, and healthcare coverage. Their portfolio is structured to support consistent income while managing taxes, and they have a clear plan to bridge healthcare until Medicare eligibility. With these steps in place, they feel more confident about sustaining their lifestyle throughout retirement and better prepared for unexpected expenses.
.png)
.png)
