Major life changes
As Brad and Kelsie’s careers progressed, so did their salaries, bonuses, and company equity benefits. While this was exciting, they faced unfamiliar and overwhelming financial decisions…
Goals
Brad and Kelsie wanted to make the most of their growing wealth — from traveling and starting a family, to possibly retiring early. They wanted to build for success, and their options had to be clear.
Challenges
Brad and Kelsie’s decisions in taxes, investments, and other financial matters were becoming more consequential. They wanted to avoid missed opportunities or mistakes that could jeopardize their future. They understood financial organization and awareness would keep their lives moving in the right direction, but weren’t sure where to start.
Approach
Brad and Derek met in college. A decade later, as Brad’s income, life, and planning needs grew, they started working together professionally. Over the years, Brad referred many friends and colleagues to Derek, including his girlfriend Kelsie. Eventually, Kelsie and Brad became engaged. When merging their financial lives before marriage, they knew Derek was the right partner to guide them through the change.
Derek took the time to deeply understand their values, goals, and concerns. Using the collaborative process, he helped them identify their desired outcomes and money mindset. He broke down complex concepts, presented clear options, and crafted a personalized plan that aligned with their vision.
Whether exploring investment strategies, evaluating real estate opportunities, or discussing upcoming life milestones, Derek was their sounding board. He created and implemented strategies for purposeful and measured progress.
Results
Now, Brad and Kelsie feel confident they’re on the best path forward. With Derek’s guidance, they have:
- Set and consistently hit their savings and investment targets
- Maintained adequate cash reserves while strategically investing the rest
- Maximized their employer benefits and equity compensation
- Successfully merged their household finances
- Diversified their concentrated employer stock positions
- Minimized taxes through proactive planning and optimization
- Made informed decisions on their engagement, wedding, home and car purchases
Brad and Kelsie are positioned to make smart ongoing choices for their lives now, and their long-term financial prosperity.
Looking to ditch the guesswork and map out your own best steps forward?
Disclaimer: The above hypothetical example story is for illustrative purposes only and should not be construed as a recommendation. It does not involve an actual client and may not be representative of your experience.
