The Situation
Andrew, a recent hire at a large tech company, is well-paid but struggles to balance his financial goals—saving for a home, retirement, and building wealth. He’s living in an expensive city and has yet to make saving a priority.
Our Approach
We helped Andrew by:
Home Savings Plan: Established a target savings goal and automated monthly contributions to a high-yield savings account for his down payment.
Retirement Planning: Guided Andrew through enrolling in his employer’s 401(k) with a company match and evaluated whether Roth or Traditional IRA contributions best fit his situation.
Wealth Building: Established a brokerage account with a diversified mix of low-cost index funds to support flexible access to funds.
Budgeting & Flexibility: Developed a flexible budget that allowed him to save consistently while maintaining the lifestyle he values.
The Results
Andrew has begun contributing to his employer’s retirement plan and gained clarity on how various tax treatments may affect his long-term savings. With a diversified brokerage account and a flexible budget, he now has options for both near-term goals and future planning. Together, these steps have given him greater confidence in balancing his current lifestyle with his long-term financial goals.
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The Situation
Mark is eager to retire early but needs a clear financial strategy to ensure both his and Emily’s retirement plans align. Mark's wealth is tied to his company stock, while Emily plans to continue working for another 5-10 years. Together, they want to navigate early retirement, tax-efficient withdrawals, and secure healthcare coverage before Mark becomes eligible for Medicare.
Our Approach
Here’s how our planning process can support Mark and Emily:
Tax-Efficient Withdrawals & Roth Conversions: Developed a strategy for Roth conversions and optimized withdrawal strategies to minimize taxes.
Managing Company Stock: Diversified Mark’s company stock holdings to reduce risk while maintaining growth potential.
Healthcare Planning: Assisted in analysis of ACA options to secure affordable health coverage during the early retirement years.
Retirement Cash Flow & Lifestyle Planning: Created a cash flow model to balance early retirement income with Emily’s ongoing salary, helping align income streams with their goals
Retirement Goals Alignment: Aligned their retirement goals, allowing both spouses to retire from work without retiring from life
The Results
Mark is on track for an early retirement with a tax-efficient strategy in place, while Emily continues her career, contributing to their financial growth yet retaining the flexibility to retire on her own terms. Together, they’ve explored affordable healthcare options and aligned their financial plan to support the lifestyle they value. The couple now has greater clarity and confidence about their path toward retirement.
The Situation
Carol and Tom have been retired for a few years and have successfully accumulated savings through their careers. They are now focused on ensuring a steady and sustainable income stream throughout their retirement. However, they are uncertain about how to optimize their Social Security benefits, manage healthcare costs before they are eligible for Medicare, and structure their investments for income while minimizing taxes.
Our Approach
We helped Carol and Tom by:
Social Security Optimization: Analyzed their Social Security benefits and advised on the best strategy for claiming—balancing spousal benefits and the most tax-efficient timing.
Investment Income Strategy: Developed a diversified portfolio designed to provide reliable income throughout retirement, focusing on low-risk, income-producing assets.
Healthcare Planning: Explored private insurance options to cover healthcare costs until Medicare eligibility, ensuring they could maintain coverage without significant out-of-pocket expenses.
Tax Minimization: Created a tax-efficient withdrawal strategy from their retirement accounts, focusing on spreading out taxable income to reduce the overall tax burden.
Cash Flow Analysis: Ensured that their monthly income needs were met, accounting for living expenses, travel, and lifestyle goals.
The Results
They receive the highest possible monthly income. Their investment portfolio is designed for consistent, tax-efficient income, and they’ve secured healthcare coverage without significant additional costs. With a solid plan in place, they feel confident that they can maintain their desired lifestyle throughout retirement without worrying about income fluctuations or unexpected healthcare expenses.
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