Client Profiles.
We serve a variety of clients, yet most of our clients fall within one of three profiles.
Retirement | business owner / Executive | Mid-Career
Retirement.
Mr. and Mrs. Engineer | Age: 62
Net Worth: $5 Million | Income: $300,000
Story: Mr. Engineer is considering retirement after 35 years of service in the Energy industry, but they want to clearly understand what lifestyle they can afford and how to put together a tax-efficient retirement income strategy in complement with prudent investment advice.
With his pension, 401(k) and company stock, they feel they have accumulated enough assets to retire, but they want to construct a strategic plan with more certainty around this major life change. They are also concerned about their out-dated estate plan.
How We Help: We would craft a custom, comprehensive Financial Plan for a one-time fee that focused on tax-efficient distribution planning, construction of a long-term portfolio allocation, and the modeling of retirement spending/gifting parameters to enable them to pursue their retirement vision.
A long-term relationship focused on annual tax, investment, and situational planning could add significant long-term value and lower stress, so we may continue to advise them on an ongoing basis.
Business Owner / Executive.
Mr. and Mrs. Achiever | Age: 60
Net Worth: $20 Million | Income: $3 Million
Story: Mr. and Mrs. Achiever are considering a business sale after decades of hard work. They want to clearly understand what the financial next chapter looks like, and how they can strategically give to children, grandchildren, and charities during their lifetime and after they are gone.
Proceeds from the business sale on top of personal savings and retirement plans are plentiful, so they want to construct an intentional plan based on their personal preferences and objectives.
How We Help: We would craft a custom, comprehensive Financial Plan that focuses on the entirety of their finances and future plans. We would conduct in-depth conversations to better understand their preferences to ensure assets and financial decisions are made in alignment with those objectives.
A long-term relationship focused on annual tax, investment, giving/gifting, and tactical planning could add significant long-term value and lower stress, so we would likely continue to advise them on an ongoing basis.
Mid-Career.
Mr. and Mrs. Family | Age: 40
Net Worth: $3 Million | Income: $500,000
Story: Mr. and Mrs. Family have been great savers, but they want to ensure their resources are at their highest and best use going forward.
Mrs. Family is a Physician, while Mr. Family is a successful engineer. They paid off their student loans, bought a house, and had three children in the past 10 years. Both of their jobs have great benefits, retirement plans, and stock plans they’d like advice on, but they know they could be more effective if they had a strategic financial plan with actionable advice.
How We Help: We would craft a custom, comprehensive Financial Plan for a one-time fee that focuses on prioritizing cash flows for retirement, education and a potential second home to enable them to focus more on their work and family.
A long-term relationship focused on annual tax, investment, and situational planning could add significant long-term value and lower stress, so we may continue to advise them on an ongoing basis.