Moving into established careers, creating the beginning foundation of family wealth
Ages (<40 )

Financial Goals

First time home buyer / moving to a larger home, paying off college and grad school loans, managing income vs expenses / budgeting effectively,  balancing savings vs paying down debt, financial stability, starting a business, participation in company retirement plans, starting college savings plans, accumulating savings, adequate life insurance.

Personal Goals

Setting goals, focusing on career, marriage, family, life experiences, increasing living standards, convenience and efficiency, healthy living, home ownership, adjust to expenses of growing children, making change for good, investing for profit and purpose.

Professional Team Requirements

Asset Management
Growth orientation with moderate risk management, advice on 401k investments and education accounts, investment education, preference for stock and equity holdings over bonds

Prescribed Strategy Allocation
60% Tactical Equity, 30% Blended Asset and 10% Income

Financial Planning
Budgeting, assist with starting investment accounts, insurance options, mortgage and refinancing options, and measuring allocation of income to 50/30/20 rule (essential expenses, financial stability, lifestyle choices)

Estate Planning
Developing wills, living wills, guardianship for children, predator and creditor protection

Tax Prep and Planning
Planning and annual preparation

Peak earning years, accumulating wealth stage
Ages (40–60)

Financial Goals

Saving for retirement with IRAs and company retirement plans, tax efficient investing, debt and cash flow planning, college savings plans, adequate life insurance.

Personal Goals

Higher living standards, acquiring vacation property, club memberships, achieving career goals, healthy living, balancing needs of growing children and  aging parents, convenience and efficiency, lifestyle changes, possible second career.

Professional Team Requirements

Asset Management
Growth orientation, mild risk management, advice on 401k investments and education accounts, investment education, preference for stock and stock funds. Tax efficient investing.

Prescribed Strategy Allocation
50% Tactical Equity, 30% Blended Asset and 20% Income

Financial Planning
Consolidating investment accounts, insurance review (LT Care, life and disability), real estate holdings, and measuring allocation of income to 50/30/20 rule (Budgeting, Essential Expenses, Financial Priorities, Lifestyle Choices), inheritance and divorce planning

Estate Planning
Developing / updating wills and trusts, planned giving to charities, second marriage, pre-marital agreements

Tax Prep and Planning
Strategic tax planning and annual preparation

Those in the critical years surrounding retirement (+/- 5), adjusting to reduced income and declining expenses.
Ages (61–70)

Financial Goals

Peak saving years working toward “enough to retire”. Tax efficient investing, debt reduction, charitable planned giving, pre- and post- retirement planning, Social Security benefit maximization, Medicare enrollment, supplemental Medicare insurance, acquiring or selling vacation or rental property. Settling estates of deceased parents. Business succession planning, valuation and liquidation.

Personal Goals

Higher living standards, home remodeling or sale, acquiring or selling vacation or rental property, family reunions, achieving career goals, staying relevant and active, maximizing time with friends and family. Getting children out on their own.

Professional Team Requirements

Asset Management
Moderate risk portfolio. Termination and rollover of 401k plans to self-directed investment allocations. Beginning systematic withdrawals as needed to subsidize living expenses post -retirement.

Prescribed Strategy Allocation
30% Tactical Equity, 40% Blended Asset and 30% Income strategies

Financial Planning
Consolidating investment accounts for effective monitoring and optimizing whole portfolio construction, Review of personal balance sheet. Cash flow scenarios for pre and post retirement. Social Security and Medicare options.

Estate Planning
Review and update wills, trusts and executors, predator and creditor protection. Charitable giving. Estate tax planning.

Tax Prep and Planning
Annual strategic tax planning and preparation

Investors who have made the lifestyle adjustments associated with retirement and want their investment money to continue to work for them, their family those who they value.
Ages (70+)

Financial Goals

Conservation of current assets, income generation and systematic withdrawals to meet living expenses. Gifting and wealth transfer to the next generation.

Personal Goals

Possible hobby career, self actualization, passing on wisdom and/or teaching, staying healthy and active, trips of a lifetime (bucket list), grandchildren and family reunions, enjoying life with plenty of “R and R”.

Professional Team Requirements

Asset Management
Conservative portfolio with minor risk to capital and modest but consistent returns over all time frames.

Prescribed Strategy Allocation
20% Tactical Equity, 40% Blended Asset and 40% Income

Financial Planning
Consolidating investment accounts for effective monitoring and optimizing whole portfolio risk and return objectives, Annual withdrawal rate, cash flow and balance sheet analysis. Charitable giving.

Estate Planning
Review and update wills,trusts and executors. Predator and creditor protection.  Distribution of wealth to next generation.

Tax Prep and Planning
Annual strategic tax planning and preparation

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