Ashley is a young account executive with 7 years of experience. Her career is starting to take off in the medical device industry. As a result, her income is increasing significantly from her bonuses. She’s unsure how to best utilize her discretionary income.She’s contributing to her 401(k), and has saved money over the years in various accounts. Unfortunately, she has no idea what investments are best for her. One of her major goals is to buy an investment property to receive passive income. Ashley has done a great job with her finances. She owns a home and has kept debt to a minimum. She also keeps her monthly expenses fairly low.
As her income continues to grow, Ashley wanted an expert to help her to best utilize her income to meet her financial goals. In addition, she wanted guidance on where to invest. Most importantly, her successful career demands a lot of her time so she doesn’t have time to do the necessary research.
Ashley was excited to get started working with her very first financial advisor. Someone who would understand her industry and career demands. Ashley’s comprehensive plan implemented the following:
Paul and Jennifer have been married 20 years and have three children. Paul has an established career as a sales director for a medical equipment company. Jennifer is a stay at home mom and volunteers. Their biggest concerns are lack of time and out of control spending. With a busy career and demands of a family there never seems to be enough time to deal with their financial goals. Since Paul makes well into the six figures, spending has become an issue as well.
Paul has had a 401(k) from a previous employer just sitting in cash, and knows that he needs to act soon. He also has no strategy for his company stock grants and is concerned about taxes. Jennifer is worried that they have not started saving for their children’s college. Paul has and old life insurance policy with a significant cash value and is not sure what to do with it.
Paul and Jennifer have saved significantly toward retirement and own a nice home in an upscale area. Due to their lack of time, their investments have been neglected and there is no plan for college or Paul’s stock grants.
Paul and Jennifer were in desperate need of someone to help them leverage their assets, their time and offer suggestions to control spending. They knew they wanted to get Paul’s 401(k) rolled over and investment properly. Jennifer wants to establish college funds for the kids. They were just not sure where to start.
Paul and Jennifer were so pleased that they finally have a plan for reaching their goals and someone to hold them accountable. Paul and Jennifer’s comprehensive plan implemented the following:
Thomas has been a successful pharmaceutical sales executive for more than 25 years. He is thinking about early retirement between 60 and 65, but he’s not sure if it can be done or where the money will come from. He knows he needs some help putting it all together.
Thomas has done a fantastic job saving for his future. His 401(k) has a large balance and he has significant investments at a couple of brokerage firms. Thomas is almost debt free and should have his home paid off in 2 years. Thomas also has some company stock through his ESPP and would like to use these funds as well.
As he approaches retirement age, Thomas wanted to figure out how all these investments would create an income for the rest of his life. He wants to know what age he can retire early and how much he can spend without outliving his money.
Thomas was thrilled to discover that he could retire right away and with enough income from investments to enjoy some travel. Thomas’ comprehensive plan implemented the following:
A simple 3-step process to getting started:
This is a short call for us to get to know each other. I will go over your questions, and you can voice your goals and concerns. Together we will decide if we are a good fit.
In this meeting, I’ll gather info about your financial life so I can prepare recommendations. We will look at where you are and how to get where you want to go.
We will then review your one-page financial plan that details personal, actionable advice. Hiring an advisor is a big decision, so I’ll simply ask you to think it over!