Meet David
and Sarah

Unique Challenge

So, David and Sarah are in a bit of a pickle when it comes to retirement. 

It’s not that they can’t retire; it’s more about not knowing when—or if—they really want to stop working. 

David is a senior level manager, and Sarah is a career nurse. They both love what they do; their jobs give them purpose and joy. 

After decades of hard work, they’re not quite ready to step away from their passions just because they’re hitting that traditional retirement age. 

The real challenge isn’t about fixing financial blunders or dealing with limitations; they’ve been on top of their game: 

• Earning high six-figure incomes 
• Maximizing their retirement accounts and other investments 
• Building significant equity in their home using low interest rates 
• Ensuring they have the right insurance coverage 

So, what’s the catch? 

David and Sarah are starting to wonder if there’s something they might be overlooking. Is their current plan really the best fit for them? 

They openly admit that…they aren’t all that confident in the direction they want to go from here. 

As they look towards the next chapter in life, they’re eager to find an expert who can help them make smart financial choices. They also want guidance on how to handle taxes during retirement. 

While David and Sarah aren’t rushing to retire, they want the comfort of knowing that the option is there. 

Moves Made

At first, David and Sarah weren’t quite sure where to start, which led them to seek out a fee-only,  fiduciary financial planner. Someone who transparently puts their interests first. 

Plus, let’s face it—they’re busy! They didn’t want to get overwhelmed trying to sort everything out on their own. 

The Results

When David and Sarah teamed up with the right financial planner, their concerns went beyond just investments. They wanted a holistic view of their finances, especially regarding taxes. 

Together, they crafted a comprehensive plan that ticked all their boxes: 

• A tax-efficient investment strategy to minimize risk and maximize returns 
• Lower investment costs 
• Better asset allocation and strategy aligned with their goals 
• A more timely rebalancing strategy that’s sustainable and backed by evidence 
• Strategies for reducing tax liabilities through charitable giving, Roth conversions, Social Security timing, and more! 
• A strategy that makes sure more money stay’s with their kids through proper estate planning and beneficiary strategy 

They even started using an easy-to-navigate personal finance website and tools that helped them organize their financial lives and gain clarity. 

Now, David and Sarah can relax knowing they have a solid financial plan in place. 

With this peace of mind, they have more energy and mental space to focus on what truly matters—enjoying life while knowing they can retire whenever they’re ready.