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Mid-Career Goals

More Efficiency and Lifestyle

Although you're probably making more money now, it is extremely important to be as efficient as possible with your dollars.  Unfortunately, so many families have each piece of their financial life operating independently rather than working together to create more efficiency.  Now is a great time to start working with an advisor that can help you bring all the pieces together.


You should find an advisor that is well-versed in the concepts you'll need to get a grasp on to attain the efficiency that may save you hundreds of thousands of dollars in lost opportunity costs over your lifetime.


College

College is fast approaching.  Maybe you haven't saved as much as you would have liked to - maybe even nothing at all.  Don't panic.  There is still much that can be done but you don't have any time to delay getting a game plan.  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.

College Funding

College Funding

The financial rules related to college planning are difficult, and if you try to learn as you go, you may find that you can make some pretty big financial mistakes along the way.

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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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Major Capital Purchases

At this point you've probably already made several major capital purchases, such as a home, cars, vacations, etc.  You're likely to have several more in the coming years - college, weddings, and more cars and vacations.  Every demand creates a greater expense.  Insurance is more expensive for all these things you're acquiring, especially with young drivers in the household.  Unfortunately, there will be major expenses throughout your lifetime: a new roof when you weren't expecting it - 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.  If you haven't already been taught these things, you have probably already transferred away tens or even hundreds of thousands of dollars over your lifetime that you will never be able to recover.

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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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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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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Retirement

Retirement is more of a concern for you now but there are more immediate issues such as college expenses.  You're probably beginning to save a little more but may not have given retirement your full attention.  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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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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Tax-Free Retirement

Tax-Free Retirement

Is a tax-free retirement really possible? The answer to that question is, largely, yes.

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Financial Planning

By now you've probably begun to realize that financial matters can be very complicated and there's more to retirement than just contributing to a 401(k) and picking a few funds.  In other areas of life you're probably choosing quality over price more than you used to.  You know you need to seek out expert advice on planning your future but everything you've done so far is just piecemeal.  There's no better time than the present to get a gameplan in place.

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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Working With a Holistic Wealth Advisor

Working With a Holistic Wealth Advisor

There is really only one logical reason to work with a financial advisor. It is to achieve better outcomes for you and your family than you might have attained on your own, even after accounting for the financial advisor's fees for service.

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