Goals
To review and coordinate their financial plan, consider tax‑aware planning strategies, and better understand how their resources could support flexibility around future work and retirement decisions.
The Challenge
They’ve been doing all the right things:
- Generated high six-figure incomes
- Maxed out retirement vehicles and other investments
- Grew sizeable equity in their primary home
- Protected themselves with the right types of insurance
As they approach the next stage of life, they want a professional to help them make strategic decisions with their money. They also want help navigating taxes in retirement. While Michael and Julie aren’t in a hurry to retire, they want to know they have the option.
The Approach
Michael and Julie weren’t sure where to begin. Plus, they’re busy. They don’t want to get bogged down trying to figure everything out on their own. When Michael and Julie hired a financial planner, they were concerned about more than just their investments. They wanted help with the entire financial picture, especially taxes.
A comprehensive plan was put together that met all their needs:
- Tax‑aware investment considerations and risk management aligned with their stated goals
- Review of asset allocation to better align with their goals
- Ongoing portfolio monitoring and rebalancing considerations
- General planning discussions around charitable giving, Roth conversions, Social Security timing, and more
- Retirement account planning considerations
- Access to a personal finance platform to help them organize their financial information and gain clarity
Michael and Julie gained increased clarity a round their financial picture. They felt better equipped to dedicate toward what they enjoy with a clearer understanding of their available options.
The Results
Michael and Julie now enjoy the peace of mind that comes from having a clear financial plan.
They have more energy and mental space to dedicate toward what they enjoy — knowing they have the choice to retire when the time is right.
Does this sound like you?
If you’re approaching retirement and aren’t sure about your options, let’s talk. Schedule a complimentary conversation with one of our financial planning professionals today.
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*Client scenarios are meant for illustrative and informational purposes only, and they are not examples of actual client results. Individual results can vary. These hypothetical situations are designed to provide educational and/or general information and is not intended as specific investment, tax or legal advice. You should always consult a professional regarding your specific situation. Actual future investment returns, taxes and inflation are unknown. Past performance is no guarantee of future results.
