Mitch, the 20 something
embrace your ambition


Profile: Mitch’s career is off and running. He has been contributing to his company’s 401k, but his recent promotion presents him with more options. He has lofty career ambitions and wants to discuss options for his excess cash flow. Is there a better way to save for his ambitions?

In your 20’s the decisions on how to use your cash flow is of the greatest importance. We work with individuals in their 20’s on the decisions such as:

  • Should I invest in more formal higher education or are there other ways to springboard my career?
  • Am I saving enough for retirement?
  • Should I invest into a Roth IRA or 401k and what allocation is right for me?
  • How to find a real estate agent, save for a down payment, secure financing, and finally buy my first house?
  • What should I look for in my second job out of school? How do I negotiate my salary?

Running your own finances is a learning process. Investing in guidance at the beginning of your professional career will pay large dividends as your career progresses.



Mary, 29
resident physician


Profile: Mary is finishing her last year of residency and interviewing for positions. Her first love is not finances, but realizes they are becoming a larger part of her life. She wants to create a financial plan to get her career off in the right direction and values minimal ongoing legwork.

Residents physicians and fellows have major life and financial decisions to make as they transition into the next phase of their profession. We work with medical professionals to help them with such issues:

  • Review and compare compensation packages.
  • What financial issues should I resolve with my signing bonus?
  • What debt can be consolidated or forgiven? What debt should be paid off early and what debt to pay the minimum?
  • What types and amounts of disability insurance should I have? (Disclosure: We do not sell insurance. We advise and make recommendations, but it is your choice where to make the purchase.)
  • What options do I have for retirement accumulation? These can vary drastically depending on the setting in which you practice (private practice, for-profit hospital, or a university non-profit hospital).

Medical professionals spend extensive time in different levels of education and training, often leaving them 8-10 years behind other professionals. We help them utilize their resources in an efficient and effective manner.


Frank and Nisha, Mid 30’s
multi-income streams

Frank and Nisha

Profile: Frank is an attending physician at a local university hospital. He recently accepted a board position for a medical device company, in addition to his other business pursuits. Nisha is an associate professor at another university and is becoming a regular on the professional speaking circuit. They are looking for a technical financial planner to coordinate all of the moving pieces.

Managing the household finances use to be a manageable task, but is now becoming an ever-increasing burden. Time is now the most precious commodity. Besides traditional financial planning we help, multi-income households:

  • Coordinate salary income with business income and make use of the opportunities presented to multi-income households.
  • Understand ownership elections and tax ramifications of different businesses and associated income.
  • Make sure household finances and cash flow are operating smoothly.


Scott and Amy, Early 30’s
careers in transition

Scott and Amy

Profile: Scott is a developer for a Fortune 500 company. Amy just landed an in-house counsel position at a large insurance firm after spending the last 5 years in insurance defense for a large private practice. While Amy is enjoying the stability of her new corporate position, Scott is considering exploring his entrepreneurial aspirations.

The decision to start a business in addition to full time employment or transitioning from my full time employment to your recently established business is a calculated risk. We help these individuals from both a family and business perspective.

  • How much risk can my family afford to take?
  • How do we operate our household budget during the lean years?
  • How do I turn my idea into a business?
  • How to accumulate and deploy cash reserves correctly?
  • Business operations insight and other tricks of the trade.

Work with a financial planner that doubles as business coach to keep you moving forward and not let the hurdles of business ownership bog down your dreams.


Stan, 52
the second act


Profile: After 30 years in the corporate world Stan isn’t ready for traditional retirement, but he is looking to transition out of the 9 to 5 grind. He is contemplating his next career move and is looking for guidance on how to depart from his current position to start anew.

Many successful professionals reach a point in life where earning top dollar is no longer their highest priority. They have no desire to retire, however, would rather accept more rewarding positions or more flexible assignments. We help these individuals with:

  • Determine how much income I need to earn (if any) in my next position?
  • In regards to possible pensions, equity compensation, and other benefits when does it make sense to leave my current firm?
  • What resources should I use to live off of first and which ones should I defer until later in retirement?
  • How do I take advantage of these low-income years?

Leaving your primary profession is a daunting decision. Work with a financial planner to see how close you may be then build a game plan to optimize your financial resources.


These are example profiles to highlight concerns of our clients. We realize not everyone fits into our nice and neat profiles. Everyone brings their unique planning issues to the table. Those nuances are what make this industry fascinating. We welcome your challenges. 

Interested in learning more? Check out our FAQ section for a deeper dive.