Professional

As a professional, you are climbing the ladder of success in your career while balancing the demands of everyday life. If you are starting out, you are beginning to build your life and thinking about creating a foundation for long-term wealth. If you are more established, you might be thinking about managing your increasing finances and establishing a path leading towards a successful retirement.

As a young professional, you may have thoughts and questions such as…

• How much should I invest in my 401(k) or 403(b)?
• Is a Roth or Traditional IRA better?
• How do I prioritize paying off debt versus investing?
• What should I do with my excess cash flow?
• What is the right investment allocation for me?

As a mid-to-senior-level professional, you may have thoughts and questions such as…

• I have worked hard to increase my net worth. How do I protect and grow it?
• How are we going to pay for our children’s college?
• What should I do with my stock options, restricted stock units or employee stock purchase plan?
• My parents are aging – how do I manage taking care of them?

Business Owner

You are a small business owner that wears many different hats and might be thinking “I just don’t have enough time”. You are working hard to grow your business and maximize the potential of what you have built, while trying to navigate your increasingly-complex personal finances.

You may have thoughts and questions such as…

• What is my business worth? How do I increase the value?
• I am concerned that I am overpaying taxes
• How do I free up time so I can focus on the work I enjoy and other aspects of my life?
• What does my exit or succession plan look like?
• I am worried that so much of my wealth is tied up in my business

Pre-Retiree or Retiree

You have built your net worth through a lifetime of hard work and are now ready for your next chapter. Preparing for retirement can mean facing a number of unknowns, both financially and personally. If you are approaching retirement, you may be wondering how to best prepare for life without the paycheck you are accustom to. If you are already in retirement, you may feel unsure if you have the right strategy in place to achieve your goals.

You may have thoughts and questions such as…

• When am I going to be able to retire?
• How do I replace my income when my paycheck stops?
• I am worried that I will outlast my income – how much risk do I need to take in my investments?
• How long do I wait before claiming Social Security?
• What is the best Medicare strategy for me?