Success Stories

Case Clients: Steve & Michelle
Age: 42 & 40
Occupation: Software Engineers
Primary Goal: Get a financial plan in place that incorporates: college funding, real estate, retirement planning.

The Situation

Steve and Michelle have been married for 10 years and have had successful careers. They have 2 children ages 8 and 10 and want to make sure they are doing the right things with their finances.

Their focus now is making sure that their finances are in order for the family today and make sure they have set themselves up for their future retirement.

Their challenge is finding the time:

to talk about money
researching what makes sense for their own family’s goals
Prioritizing the goals

Plus with their children growing up so fast, they want to make sure they spend quality time with them without their finances
suffering.

They’ve done a great job utilizing their company retirement programs, they own a nice home, but other than that they are unsure where to put other dollars.

Steve and Michelle feel like they could be doing better with their finances and overall efficiency of their money. They are now wanting to talk to an expert to help them make the right decisions so that they don’t stress over their finances.

The Approach

Steve and Michelle weren’t sure where to start, so they wanted to hire a financial advisor who has done this many times before with families just like them.

They wanted to be involved in the process and feel empowered to choose what’s best for their family.

The Results

Steve and Michelle became excited to work with a financial advisor who did more than just manage investments.

They received a holistic and integrated financial plan that incorporated:

College savings plan utilizing the best accounts for flexibility and taxes
An automated Cash flow plan
Protection analysis to make sure their family is protected the way they want them protected
An Estate Plan
A tax planning strategy
A plan that shows what life could look like after sending their children to college
A low cost tax-efficient investment strategy

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Case Clients: Jeff & Terri
Age: 60 & 59
Occupation: Wants to retire
Primary Goal: Retire and spend time with family.

The Situation

Jeff and Terri have been married for 35 years and have had successful careers. They have 2 children ages 25 and 30 and one grandchild on the way!

Their focus now is figuring out whether or not they can retire and still have the comfortably lifestyle they’ve grown to love. Family is ultra important and they want to make sure they have enough funds to spoil their grandchildren!

Their challenge is:

Figuring out do they have enough saved
When to collect social security
Health Insurance
Taxes

Jeff and Terri have done a great job of saving into their retirement accounts but they are now trying to figure out how to turn their money into an income stream to them. Volatility in the market and unforeseen costs scare them and they want to make sure they have the flexibility for these.

The Approach

Jeff and Terri were nervous of how to approach their concerns and wanted to make sure they work with a professional that has helped many other retirees just like them.

They both have a bit of anxiety over what their life will look like in retirement. The right professional can ease their concerns.

The Results

Jeff and Terri became excited to work with a financial advisor who would help them coordinate their finances and their estate plan into a easy financial plan that they can follow.

They received a holistic and integrated financial plan that incorporated:

An automated Cash flow plan
Protection analysis to make sure their family is protected the way they want them protected
An Estate Plan
A tax planning strategy
A plan that shows what life could look like in retirement
A low cost tax-efficient investment strategy
When to take social security
Medicare benefits
Long Term Care planning

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Case Clients: John & Mary
Age: 55 & 54
Occupation: Business Owners
Primary Goal: Grow their business and setup their finances so they can retire.

The Situation

John and Mary have been married for 20 years, have 3 kids and run a successful business. They also have 2 other partners in their business.

Their focus now is figuring out how to best grow their business so that they set themselves up to retire comfortably. Their current concerns is making sure that the business is protected and set up so that when they want to retire, they do so with ease. Their children are getting older and they want to make sure they spend more time with them rather than in the business.

Their challenge is:

Finding the time to get financially organized
Researching what financial moves to make that fits their goals
Making sure that they keep their top employees
Taxes

John and Mary make good incomes from the business and have some money in the company 401k, but are looking to diversify some money outside the business including buying some real estate.

The Approach

John and Mary love their control of their business and income. They want to maintain control over that.

Our process walks them through an educational approach with them where they get a say in how the plan comes together. That process includes:

Tax insights
Retention plan for top employees
Protection planning for the business
Cash flow planning from business balance sheet to personal balance sheet.
Estate Planning on the personal side
Operating Agreement discussion

They both have a concern about what would happen if something happened to one of the partners in the business and how does an exit from the business occur.

The Results

John and Mary loved working with a financial team that organizes all of their professionals in their life (CPA, Attorney, insurance agents, and financial advisor) to get a truly holistic plan without a sales pitch.

They received a holistic and integrated financial plan that incorporated:

An automated Cash flow plan
Protection analysis to make sure their business is protected the way they want them protected
An Estate Plan
A tax planning strategy
A plan that shows what life could look like in retirement
A retention strategy for their top employees
Operating Agreement put into place and funded.
Exit planning
Coordination of the professionals in their life

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All scenarios and names mentioned herein are purely fictional and have been created solely for educational purposes. Any resemblance to existing situations, persons or fictional characters is coincidental. The information presented should not be used as the basis for any specific investment advice.