Meet Jill

Jill is 34, single, and started her own small business last year. She owns a home and has rental income from a unit in her home. In addition, Jill has substantial student loan debt. Jill wanted helped figuring out how to put all the pieces together, get started saving for retirement, and plan smart for taxes.

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As part of her plan, we:

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organized her financial picture into an easy-to-understand summary

put retirement plan in place to aid long-term savings and save on current taxes

switched to an income driven repayment plan for student loans

developed a comprehensive tax plan for her business

opened an H.S.A. to save for medical expenses in a tax-advantaged way

applied for disability insurance to protect her income

Meet Whitney & Rick

Whitney & Rick are in their early 30's and have one child. Both are educators, and have collected multiple retirement accounts at different employers. They have a small inheritance, and are planning for another child in the coming years.

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As part of their plan, we:

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consolidated all their old retirement plans to one place

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developed a retirement projection for their age and goals

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created a low-cost, long-term investment strategy

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purchased life insurance to protect their family

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worked with an estate planning attorney to get estate documents in place

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Applied for Teacher Loan Forgiveness on student loans

Meet Austin& Vanessa

Austin & Vanessa are in their 60's and preparing for retirement in the coming years. They have multiple investment accounts, a pension, and are a few years from paying off their mortgage. They have children and grandchildren.

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As part of their plan, we:

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examined their current spending to understand what lifestyle their assets would support in retirement

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consolidated all their retirement plans to one place and lowered investment fees across the board

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developed a retirement income plan to minimize taxes and meet R.M.D requirements

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conducted a social security analysis to determine the right time to draw social security

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updated their estate planning documents & developed a family communication plan with their children

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evaluated the impact of recent tax law changes and how it would impact their plans