Intentional Financial Planning
Who We Work With
Mike and Jan worked hard and saved for retirement, just like everyone told them to. They had more money than their parents ever would have dreamed of. They just didn’t know how to turn it into a paycheck…or how long it would last if they could.
During our meeting we discovered multiple investment accounts without a coordinated investment strategy, an expensive tax return with no proactive tax planning, and monthly premiums for life and health insurance that were straining the monthly budget.
We worked with Mike and Jan to create an intentional financial plan covering the areas that are most important to them.
No investment strategy, no stress-testing of their income plan for down markets, no proactive tax planning (costing thousands a year), unreasonable insurance premiums, fees well above the industry average
Investment strategy coordinated through all accounts, a distribution strategy prepared for any market condition, proactive tax planning, elimination of unnecessary insurance, investment fees below the industry average.
Sam and Amber suspected they should be paying closer attention to their financial life, but weren’t certain where to start. They had left a trail of old 401(k)s behind them, thought they might have signed up for life insurance through work at some point, and needed to save for their kids’ education. Oh yeah, and what about a will?
Like most of our clients focused on building wealth, they didn’t want a lecture on spending less and saving more, they wanted help prioritizing their financial strategies so they can live their life.
Investment accounts scattered at old employers, an expensive insurance policy they bought from a college buddy, good intentions to save for their kids future, and a handshake agreement with a sibling to take care of their kids.
All of their investment accounts at one company, an inexpensive term life insurance policy, college savings account open and funded, and the basic legal documents a functioning adult should have.
Our business owner clients have three things in common: 1) They care about their employees 2) They feel their business is the most important asset class to invest in, and 3) They want to pay the legally obligated amount of taxes…and not a penny more.
Prioritizing business life over personal life, investing in business over saving for retirement, tax planning on March 15h, being the target of every insurance salesman in a 50-mile radius
Realizing business and personal life are the same, having a retirement plan that incorporates their company, tax planning on March 15th of the previous year, working with a fiduciary