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When We Help
“When money changes, life changes. And when life changes, money changes.” – Susan Bradley
It’s our experience that money and life are constantly changing and that everybody could benefit from having an independent third party to discuss these critical transitions with.
Birth of a Child
Few transitions are as profound or life-altering as the birth of a child. It is a time of unbounded joy and optimism and perhaps more than a few sleepless nights. It is also the beginning of a significant change to your family’s financial equation.
We work with you to answer some of the most critical questions when a new child is welcomed into the world.
- How will we manage childcare when our paid leave period has ended?
- What other costs should we anticipate, and how will they impact our goals, such as retirement savings?
- Is private school worth the cost, and if so, how might we plan to pay for it?
Divorce
Divorce is perhaps the most emotionally complex of all life transitions. It marks the end of life as we knew it and the beginning of a new chapter. It can be a period of great sorrow and pain but also hope and optimism.
When facing divorce, several key financial considerations come to the forefront.
- How will our assets and debts be divided?
- What are the tax implications of property transfers and support payments?
- How will the divorce impact my long-term financial goals, such as retirement planning?
Loss of a Spouse
Losing a spouse is an overwhelming experience that affects every aspect of life, including finances. The journey through widowhood is unique for each individual, with some feeling compelled to address tasks immediately and others needing more time. We serve as your thinking partner, offering guidance and personal support to guide you through this transition at your own pace.
Several crucial financial considerations arise when dealing with a spouse’s loss.
- What immediate financial tasks need to be addressed, and which can wait?
- How will the loss affect my income and long-term financial security?
- What changes should be made to my estate plans and beneficiary designations?
Marriage
Our work with newly married couples is grounded in an exploration of hopes, values, and possibilities. We guide couples through a series of meaningful conversations and exercises that ultimately inform an understanding of each other’s past, a shared vision for the future, and a game plan for the present.
As couples embark on their financial journey together, several important questions arise.
- How will we merge our finances and manage joint expenses?
- What are our shared financial goals and priorities?
- How can we align our individual money management styles for a harmonious financial future?
Retirement
Retirement may be life’s longest-anticipated transition. It also is one of the most financially and emotionally challenging. Stepping away from your life’s work and the steady income it provides requires strategic thinking and careful planning. Fortunately, those who prepare well for retirement are rewarded with one of the most fulfilling and creative chapters of their lives.
Navigating the path to a successful retirement involves addressing several essential questions.
- How can we ensure our savings will last throughout retirement?
- What's the optimal strategy for drawing from our various retirement accounts?
- How should our investment approach change as we transition into retirement?
Sudden Money
Stock Options, IPOs, inheritances, business sales, lawsuit proceeds, and contract signings—sudden money can be life-changing, but it also comes with the pressure of deciding what comes next. Your decisions following a sudden money event can have implications for future generations. Financial planning offers a path to responsible stewardship of your newfound wealth.
Experiencing a sudden financial windfall brings several important considerations to the forefront.
- How can we preserve and grow this newfound wealth responsibly?
- What are the immediate tax implications, and how can we optimize our tax strategy?
- How does this windfall align with our long-term financial goals and values?
Career Change
Career changes can yield significant personal and financial rewards but require careful planning. Whether changing industries, starting a business, or returning to school, we help you navigate the financial and emotional challenges of redesigning your professional life. Our decades of experience guiding clients through successful career transitions will help you avoid common pitfalls and move forward with confidence.
Embarking on a career change brings several crucial financial considerations into focus.
- How will this career change impact our short-term and long-term financial goals?
- What financial cushion do you need to support this transition?
- What implications would a career change have on my retirement planning?
Guiding Your Financial Journey at Every Stage of Life
As a fee-only financial planning firm, we accept fiduciary responsibility and are committed to an integrated, evidence-based approach. Each of our team members works with a small group of clients to ensure you receive attentive service that is customized to suit your individual situation.
No matter what stage of life you’re in or which financial challenges you face, our credentialed team is here to help you stay on track and make the most of the resources available to you.
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We’d like to meet you!
Schedule a free 15 minute conversation and we’ll spend a few minutes getting to know each other so we can learn if what you are seeking and what we provide are a good fit for each other. If it seems like a fit, we’ll talk about next steps. If we’re not, we’ll help you find the right group for your needs.
We’d like to meet you!
Schedule a free 15 minute conversation and we’ll spend a few minutes getting to know each other so we can learn if what you are seeking and what we provide are a good fit for each other. If it seems like a fit, we’ll talk about next steps. If we’re not, we’ll help you find the right group for your needs.
