Strategies
Retirement Income
Sir Edmund Hillary was the first to summit Mount Everest. What a journey it must have been to get to the top…….but……he was only half way done. If he had not made it back he would not have been a success and we wouldn’t know who he was. Our retirement planning is the same, we cannot only plan to accumulate wealth, to be deemed successful we must also have a plan for distribution. Due to medical advances and cleaner living we are living longer than ever before, which means our money must also last longer than it ever has. Inflation averages 3% per year. We have to account for this head wind and continue to invest our assets for both growth and safety. There are many strategies and tactics we can use that strive to keep our money secure and growing through our entire retirement. The investment world is broad and complicated. We aim to assist and encourage you to develop a plan to properly use your life savings in whatever way you choose, whether that is spend every dime or leave as much to the kids as possible. We look forward to our strategy sessions.
"You are never too old to set another goal or to dream a new dream." - C.S. Lewis
Wealth Accumulation
One at a time story. Many small good decisions consistently executed over time lead to great results. There is no denying that mathematically the sooner and more we start investing the better and larger our assets can grow. Everyone knows the best time to start investing is “when I was younger”. But the second best time to start is NOW. Let compounding interest work for you now so you don’t have to work in your later years. This is one of those “we know what to do, but don’t do it” areas of life. Investing can be as simple as the automatic payments you make to pay your bills. Why not start paying your future-self first? Let us help you mitigate the stress of investing with strategies that strive to build the great results we are all after.
“Little by little, one travels far” - J.R.R. Tolkien
College Savings
We love our children and we want what’s best for them. Let’s put some money aside to help for college. How do we do this? How much should we save? Where do we put it? Is there a way to maintain control? What if they don’t go to college? How much will college cost? What about our need to save for retirement? Private or Public school? How much of their college cost do we want to cover? Should we make them have skin in the game? Are there any tax advantages for us? Is there a way grandma and grandpa can help? Do I need separate accounts for all my children?
Let us help you answer these questions and create a strategy around all your goals including the children.
"There are two Educations. One should teach us how to make a living and the other how to live." - John Adams
Just Finished College
Well that’s done! Congratulations. Now GET TO WORK!
It can be hard to enter the job market with a Gorilla of debt on your back weighing you down. Some are blessed and leave college debt-free. Fantastic, let’s keep it that way! However, most are not and need a strategy to pay off debt, all while saving for retirement and other financial goals. How do we also buy a car and a house and what about a spouse and maybe kids, not to mention, I still need to eat? It can feel overwhelming, and at times it is, but ignorance in this case is not bliss. It will just bury you deeper the hole you are trying to dig out of. Let us help you create an easy to use automatic strategy designed to help simplify and prioritize all your new financial goals.
"The roots of education are bitter, but the fruit is sweet!" - Aristotle
Just Married
When you are done staring into each other’s eyes, look up for one second and let's plan for the future the two of you are building together! Couples finance takes a quite a bit of understanding and communication. Each one of you in most cases will approach finances differently than the other. The ideas about money we pick up along the way influence our approach and our hopes for our financial future. It’s important to get on the same page and continually check in to make sure that we are staying on track and on target to reach the goals we have put in place. Marriage, jobs, children, and homes all carry their own stress, the last thing you need is financial stress weighing you down! Let us help you set up a simple automatic plan to help you pursue financial freedom for your new family!
"To get the full value of Joy, you must have someone to divide it with." - Mark Twain
