You are enjoying career success and are making more money than you ever have before. At the same time, you’re raising a family and thinking about future goals such as supporting your children’s education and saving for eventual retirement. Together, we can make sure you feel confident you’re on a path that can help enable you to enjoy your success today while saving enough to secure your future.
Common questions include:
How much should I be saving for retirement?
How do I make sense of my employee benefits?
How do I balance paying off debt, funding my future, and living fully today?
How should I budget for variable income?
What can I do to help secure my children’s future?
How might my finances change as I move up the ladder in my career?
AGE: Jason and Sarah, both 35
EMPLOYMENT: Jason is in medical device sales, and Sarah is a director of communications
FAMILY STATUS: Married for five years. Two children, Olivia, 3, and Noah, an infant
HOMEOWNERSHIP: Own one home, in which they live
Meet Jason and Sarah*
YOUNG PROFESSIONALS ENJOYING LIFE
Married couple Jason and Sarah are enjoying the lifestyle that comes with wealth. However, they are concerned that they may be spending too much. With an annual household income of $275,000, the two believe that they should have more money left over at the end of the month than they do. But between lifestyle decisions like their children’s private-school tuitions and saving for a larger, more comfortable home, they’re worried that they’re not putting enough aside for the future.
Sarah was recently promoted to director of communications in the company, which meant a complex compensation package that the couple are unsure how to optimize. And though Sarah has a steady income, Jason’s salary is variable, dependent on his sales commissions each quarter. They want to make sure they can manage any dips in salary.
The two have been talking about meeting with a financial advisor to see how one could organize their finances and help them make informed decisions. The right financial advisor would be one they can trust to make efficient use of their income and enable them to enjoy the perks of wealth today while planning for a future they can feel confident about.
PRIMARY FINANCIAL CONCERNS
Enjoying life today vs. saving for the future
Optimizing Sarah’s complex compensation package
Managing Jason’s variable income
Paying off old school loans and other debt
Saving for big-ticket items like a larger home and new cars
*This is a sample client situation and not an actual client.
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