Financial Planning For Working Professionals

Agile LifePath logo by Affinity Financial

Agile LifePath is a financial planning and total wealth building approach that recognizes the need to meet you where you are at today, so that you may consistently make smart choices with your money that your future self will be proud of.

AgileLifePath lifecycle stages & planning

Agile LifePath planning begins through an awareness of your personal values and goals. We believe that the people who truly live wealthy are the ones who live their life in alignment with their values. Living life within your values, then, becomes the framework by which you can begin to make intentional decisions with your time, money, and other precious resources. Your financial goals can work with, and supplement, your values and can help give your life direction and purpose. Additionally, when your values align with your financial goals, you will be able to tap into greater willpower and resilience when times get tough.

However, it would be overwhelming and outright impossible to perfectly map out a life. This is not our aim. Our main focus is to incorporate agility and values-based action into your financial planning progress, thus empowering you to potentially create an ideal future that adapts to your ever-changing age, income, life circumstances, and essential priorities. This clarity of vision and purposeful direction with financial decisions helps keep you in control of your own life path story.

Orange California Wealth Management for Working Professionals
Planning—and maintaining focus on that plan—isn’t natural for all of us. We get distracted. Life gets in the way. Things get complicated. We forget about the goals we set, and we stop making progress toward our ideal life. However, it doesn’t have to be that way. As a collaborative partner for your financial success and well-being, Affinity Financial can help you balance the pressures of life’s complexities and transitions through proactive awareness and planning. Our primary focus is on helping you make smart choices with your money so that you can live the best life possible with the resources you have.

Life Transitions for Working Professionals

Working professionals face substantial complexities when it comes to planning for their financial lifestyle success. The underlying reasons are that:


working professionals life transitions icon  1.Working professionals face a steady flow of life transitions with remarkable regularity throughout their 20’s, 30’s, 40’s, and 50’s.

income cashflow net worth icon 2. Virtually every major life transition that working professionals face has meaningful ramifications for their household’s income, cash flows, and net worth.

financial priorities icon 3. Moments of life transition require households to weigh the pros and cons of competing short-term and long-term financial lifestyle priorities.

anaheim ca financial paths icon 4. Furthermore, there is not just one financial life path that represents everybody. It will be unique to you!

1. Command Your Cash Flow

Do you feel in control of where your money goes?

Artboard 12

For many,

the answer is no, simply because they are not sure where to start. By earmarking funds for your personal vision, you are taking concrete steps to help create a happier future and giving yourself the reward of financial clarity and confidence. While setting up these automations take a little work up front, the financial benefits of increased savings, lower debts, more investments, and lower taxes really add up quickly. Furthermore, the emotional benefits of your actions being in alignment with your values may be priceless.

We address cash flow because it impacts all major life transitions.

Does your cash flow match your lifestyle aspiration?

Cash flow can be complex,

and understanding all of the pieces is often surprisingly tricky. You know you need to cover fixed-living expenses, pay your taxes, add money to savings for funding your goals, and still give yourself the gift of guilt-free spending. Commanding your cash flow is about the “where” and “how” of allocating your household’s income (and how to grow that income).

Signs That YOU Are In Command

Income is being used wisely to promote spending on what matters most, for lifestyle fixed necessities, near-term fulfillment, goal funding, and long-term financial success.

You build Savings into the plan

    • Pay yourself first by saving and investing money to attain your goals
    • Fund your affinities and help your money match your values
    • Expand the possibilities and future optionality of life choices
    • Feel in control, live guilt-free, and keep
      things simplified

You maximize tax-advantaged benefits
offered from employment and/or self-employment

  • Make smart and optimized decisions

You maximize your tax planning opportunities

  • You are aware of changing tax rules and plan ahead in order to keep resources best working for the most important goals

2. Grow Your Wealth

Building wealth doesn’t neccesarily require getting rich or earning more money. It just means you need to be smart about where your money goes and let the power of time and compounding growth do the rest. Remember, time is your most valuable asset. The more you save and invest now, the further ahead you’ll be in the future.

In the “Grow Your Wealth” stage, we will clearly identify your investment strategy. This is done by quantifying your acceptable levels of risk and reward and ensuring that your investment portfolio serves your investment goals and expectations.

We then act by employing a strategic and disciplined investment approach in which assets are put to work for appreciation and durability. If debts are necessary to achieve life objectives, then they will be used in a manner that serves a purpose and with a path to being paid down.
With a sensible mix of time, money, and strategy, you can give your future self the gifts of more freedom, choices, and financial security. We will be stewards of wealth, helping to responsibly support and secure your ideal personal, family, and community life.

The Affinity ‘Recipe for Financial Success’


  • Define your current financial standing with a net worth statement. Before knowing where you want to go you have to know where you are.
  • Start with a plan and a time frame. When you know how long you’re investing for and what you hope to gain, you can put the structure in place to achieve it.
  • Focus on what you can control: Spending, Savings, Timing, and Risk Level.


  • Align your total investment mix with your financial aspirations and objectives.
  • Balance risk and reward within a well-diversified portfolio.
  • Feel the relief that you are operating with a plan that maintains direction and purpose.
direction and purpose icon


  • Harness time, the compounding of gains, and a future-oriented attitude.
  • Maintain discipline through market volatility to unlock tremendous investment opportunities and better long-term outcomes.
  • Invest early, invest often, and invest appropriately.

"Compound interest is the eighth wonder of the world.
He who understands it, earns it… He who doesn’t… pays it."

3. Mindfully Navigate Your Life

What is true wealth? What is a life well-lived?

These are deep questions and the answers are personal in nature. The Agile LifePath process aims to help you stay mindful of what you want out of life, so that you can continuously live in a purposeful and meaningful way.

By proactively checking in on your potential upcoming life transitions, you can evaluate the tradeoffs and impacts of your decisions, and act accordingly. “The plan is nothing; Planning is everything.” The plan gives us guidance and direction. The planning permits us to assess progress measured against our own potential.

It is likely that one will need to deviate from plans, for better or worse, as circumstances evolve. Nevertheless, the very fact that you have taken the care to develop, discuss, and put a plan in place will serve you well.
In staying agile with life circumstances, working professionals can monitor and improve both the health of their income and the health of their assets.

We are fully cognizant of the demanding pace of change and life transitions that can impact finances. Developing a cyclical and ongoing financial planning process helps keeps everything on track.

money is a toolMoney is Simply a Tool
It is not the goal and it is not the end. It is a tool that we manage, exercising caution and wisdom, for the benefit of improving lives.

your financial lifestyle plan
  • Shine a light on blind spots and limit roadblocks to long-term success
  • Address potential issues in advance to protect, provide, and care for loved ones
  • With clarity, make decisions based on your most meaningful personal values
  • Be prepared for life’s next transitions, while understanding the tradeoffs and impacts of our actions
  • By staying mindful with our life decisions, we may remain focused on fulfillment
Jon Kabat Zinn

"Mindfulness means being awake.
It means knowing what you are doing."

You Don’t Have To Walk the Agile LifePath Alone

Right now, you might be asking yourself questions like:

  • How can I wisely invest to reach my financial and life objectives?
  • Am I paying too much in taxes?
  • Which actions will help me best utilize my equity compensation?
  • How do I live well now while investing enough for my future?
  • What would it take to achieve financial freedom and retire early?

That’s why we’re here! Call 714-450-6697 to speak with a Certified Financial Planner professional.

Take control of your money, put it to work for you, and realize financial goals that once seemed impossibly out of reach.

The accountability and regular check-ins will help keep you on the path we’ve mapped out. Let’s discuss your specific affinities and top-of-mind concerns to gain clarity on next steps! It’s empirically proven that people who commit to written goals, create an action-based plan, and share their progress with an accountability partner are more likely to achieve those goals. [SOURCE: Dominican University of California]

Our skills, experience, and technology will help you determine what to prioritize and how to navigate complex, ever-shifting markets. The average investor makes many expensive mistakes that can add up ($120,969 over 10 years by one estimate). [SOURCE: Capital Group]

Instead of burning your precious free time on research, projections, accounting, tax planning, investing, risk management, and more… wouldn’t you rather be pursuing your ideal life, knowing that you’ve got a team of professionals working to keep you on track?

Why seek professional advice instead of doing this yourself?

It’s time to plan for success.


Lets discuss your specific affinities and needs to gain clarity on next steps.
Affinity Financial affinities icon - gold
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Eric & Cindy – Turning Income into Wealth

AGE(S): 35 and 39
PROFESSIONS: Corporate Sales
SOURCES OF INCOME: Salary Wages, Sales-Based Bonuses, Restricted Stock Units
PRIMARY GOALS: Joint lifestyle planning; Turning income into wealth for early financial independence


Eric & Cindy, recently married, have each worked at recognizable Fortune 500 companies for the entirety of their careers and risen the corporate ladder in highly respected sales roles.  Independently, they had each made enough money to cover their personal needs and desires, but they are now thinking more about the future and their joint lifestyle aspirations.

Since their employment income opportunities and benefits have expanded significantly over time, they are highly focused on ensuring that they are making smart financial decisions as a team to maintain a high quality of life now while saving and investing determinedly for the future.  They expect to start a family soon, and would like to walk away from the corporate sales world and be financially independent by their early-to-mid 50s.  It’s an ambitious goal, but with the right planning and systems in place, they believe it to be well within reach.


Eric & Cindy want to stay focused on living a life on purpose, and ensure that they have a shared vision for the future.  They feel that a financial planner can aid in fostering accountability and positive progress toward their most meaningful life objectives.


During regularly scheduled planning meetings, Eric & Cindy are appreciative that partnership with a financial professional gives them dedicated times to openly and candidly speak about their lifestyle desires.  As Cindy says, “It’s too easy to get caught up in the day-to-day of life, and we work so much that we don’t naturally want to talk about the household finances during our free time during nights and weekends.  It is helpful and enjoyable to proactively plan for success, knowing that we have a clear direction for our family and that we are actively taking actions to turn dreams into realities.”

In working with the Affinity Financial team, Eric & Cindy have been able to:

  • Implement a “Pay Yourself First” system in which cash flow is automatically allocated to various financial objectives. These include personal accounts for individual discretionary spending autonomy, joint savings for emergency fund and near-term spending needs, tax-advantaged retirement accounts, and growth focused investment accounts.
  • Keep liquid cash holdings at adequate levels, while permitting appropriate funds to grow with a long-term investment plan.
  • Identify how annual sales target bonuses and vested RSUs can be purposely used to enhance personal savings and investment contribution targets.
  • Understand and optimize the value of their workplace benefit packages to lower out-of-pocket costs and reduce taxes. They were happily surprised to learn about the tax-efficient growth and generous matching policies within the 401(k) retirement plans, executive deferred compensation plans, and flexible spending accounts.
  • Recognize that they want to live well within their means but allocate sufficient spending for their most cherished activities, like hosting social gatherings and travelling domestically.

They know that life will throw them unexpected curveballs along the way, yet they feel a great level of confidence that proactive and mindful planning will help them navigate any life transitions.  Plus, they know that they can always reach out to their financial planner for guidance as questions arise.