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Early Career Goals

Maximum Efficiency and Lifestyle

In this stage of life it is extremely important to be as efficient as possible.  Typically with so many demands on the budget, it requires effort to try to stretch each dollar to do as many jobs as possible.  Unfortunately, so many families have each piece of their financial life operating independently rather than working together to accomplish the greatest amount of work with the least amount of effort.  Now is a great time to start working with an advisor that can help you bring all the pieces together.


Here is a introduction to the concepts you'll need to get a grasp on to attain the efficiency that will likely save you hundreds of thousands of dollars in lost opportunity costs over your lifetime.

Major Capital Purchases

In your early career your are likely beginning to make a lot of major capital purchases.  Your first home.  As kids come along maybe you're upgrading to a larger home.  Those 2-door cars may now be too small for the family so maybe a minivan or SUV is more appropriate.  Every demand creates a greater expense.  Insurance is more expensive for all these things you're acquiring.  Unfortunately, there will be major expenses throughout your lifetime - a new roof when you weren't expecting it, vacations, weddings, vehicles - and on and on and on...

There are some very important financial concepts that you need to get your head around now before the losses begin to pile up.

Owning a Home

Owning a Home

We've been told that owning a home is one of the largest and best investments that we will ever make. If that's not true, when would you want to know about it?

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Major Capital Purchases

Major Capital Purchases

Knowing the most efficient way to pay for Major Capital Purchases when they come can not only save you money, but relieve the pressure these expenses bring with them.

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Before You Buy

Before You Buy

Opportunity Cost is the cost of what those dollars you spent could have been worth in the future had you kept them and invested them.

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College

You may have aspirations for your kids going to college, and it will get here sooner than you think.  The biggest mistake that we see as college planners is that people decimate their retirement in order to pay for college for their kids.  This is totally unnecessary if you do the proper planning.  As we often say in our college planning practice, "College Planning is Retirement Planning" because you must take both into consideration at the same time if you're going to do either one.

The Unrecognized Cost of College

The Unrecognized Cost of College

The time it takes to earn an undergraduate degree is another factor that must be considered.

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College and Retirement:  You CAN Do Both

College and Retirement:  You CAN Do Both

We'd love to give you a FREE copy of this book written by our friend and colleague, Scott Moffit.  Click below to request a time to get together and get your college planning questions answered.  Just for coming to see us, you'll walk out with your own copy of the book to help you along the college journey.

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Retirement

Retirement is a long way off for you, but it should definitely be on your radar.  Fortunately, if you will take the time to learn a few valuable lessons now, you may be able to have a better retirement than most of your peers because you have a lot of time on your side.  Even if there is not a lot left over to save right now, you should still begin to formulate a plan.  Having a plan and understanding the strategies that will result in a successful retirement are the keys.

Personal Economic Model

Personal Economic Model

A great visualization of what is happening in your financial life and what must happen for you to have the retirement you want.

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Begin With the End in Mind

Begin With the End in Mind

The journey isn't just to the top of the mountain. Getting all the way back down safely is the real goal and the most difficult part. Were you aware that most fatalities occur on the downward trek rather than the climb? There are lessons to be learned here in planning your retirement.

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Qualified Plans

Qualified Plans

What percentage of your 401k or IRA does the IRS own and how much is left over for you?

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Learn How to Get Retirement Ready

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