OUR CLIENTS
Who We Serve
We have two lives, and the second begins when we realize we only have one.
- Confucius
We work with people standing at life’s crossroads. Some have spent decades building wealth and are now wondering how best to use it. Others are just starting to dream about what’s possible.
Either way, our clients come to us with a sense that something’s shifting. They want their money to serve the life they’re trying to live.
If you want to figure out how to maximize your wealth to live the life you’ve always wanted, we’d be honored to help you build the roadmap.
Below are three case studies that show who we work best with and how we help them navigate their own life roadmap.
OUR OUTLOOK
Shared Values & Beliefs
Time is our most precious resource
Tim Ferriss said that money is only as valuable as the things you choose to trade it for. Whether it’s more time with your family or time to rest, our clients care more about freedom than financial optimization for its own sake.
We’re always
evolving
Our lives (and goals) are never static. We welcome change, complexity, and the need to revisit the plan. There’s no one “right” way forward, only the one that fits now.
Curiosity comes
before certainty
We don’t pretend to have all the answers. What matters is asking better questions and creating space for honest reflection, because the right answers follow from there.
Sound like you?
Fill out our contact form to get started
LIFE TRANSITIONS
Case Studies
Pam and Jim
Jim and Pam saw their relationship take root at work. They now have two beautiful children they support. The rest of their career seems straightforward if they continue to do what they’ve always done. But Jim’s always had an idea to start a business, and he can’t seem to shake the idea that this is the career that he wants to pursue. But uprooting a family, moving states, changing jobs, losing benefits and a steady paycheck all seem like
reasons that the moment for Jim to launch has passed him by.
Values
Fun, Honesty, Friendship
Questions Pam and Jim are Asking
How do we plan to sell our house and move with two young kids at home?
How can we manage our cash flow with the uncertainty of startup life?
Is it too risky to do this?
Explore What is Possible
What Lights Jim and Pam up about this transition? What could or might get in the way? How do we find the right fuel and mindset to help them take this wonderful leap of faith?
Planning in an Uncertain Future
Model Cash Flows:
Thoroughly understand anticipated spending during transition. Set aside reserves during new business launch to support day to day expenses.
Home Sale Analysis:
Determine if current home should be rented or sold. Review the advantages and pitfalls of both from complexity and tax perspective
Understand Equity Compensation:
In start up life, it’s low base comp with high potential. Review compensation package, understand structure of startup equity options, and create a game plan to minimize surprises.
Review College Savings:
It was easier to save for college and other goals with Jim and Pam earning good money. With a significant salary change, review college savings plan to make sure the kid’s education goals are still on track.
Draft Estate Plan:
Discuss changes to current estate plan based on move to a new state.
Michael and Holly
Michael’s worked at the same company for almost 20 years. It was his entire identity. Until he met Holly. They’ve built a beautiful life together, but Holly needs to move back to Colorado to care for her aging father. Michael doesn’t know if he can afford to quit and leave his job, a place that has given him everything he’s ever had. But he loves his partner more than anything, and something is telling him he’s ready for the next chapter.
Values
Humor, Authenticity, Belonging
Questions Michael and Holly are Asking
Can we afford to stop working, or slow down to support family?
How do we begin to withdraw on the money we’ve spent a lifetime saving?
How do I find purpose, if it’s not work?
Explore What is Possible
What are Holly and Michael retiring from? What are they retiring to? What are the little spending experiments they can run to see what brings them joy? How will they spend their time? They don’t have all the answers, but Michael and Holly have always loved improv…
Leaving the Corporate Hustle, Embracing Financial Independence
Create Thoughtful Tax Strategy:
Review opportunities to convert pre-tax money into Roth in lower tax years.
Navigate Changes to Benefits:
Understand how benefits are changing if Michael and Holly leave their corporate jobs.
Shift Investment Allocation:
Michael and Holly have been disciplined and aggressive savers (other than funding Michael’s magic habit) during their working careers, but shifting to financial independence mode might mean a thoughtful change to their investment strategy.
Oscar
Oscar is fed up at work. For starters, there’s constant talk of layoffs, downsizing, and organizational restructuring. On top of that, despite the work culture where your colleagues are portrayed as your best friends, Oscar has a life he loves outside of work. He desperately wants a break, but he doesn’t feel like he can take it.
Values
Accountability, Pride, and Forgiveness
Questions Oscar is Asking
Can I really take time off during my prime earning years to recenter myself?
How do I build a savings draw down plan?
How do we plan around uncertainty of “what I go back to?”
Explore What is Possible
Meaningful time off to unplug is rare. What does Oscar want to prioritize in his time off? Travel? Working on a passion project? Trying a new hobby?
Permission to Recharge and Discover What’s Next
Plan Ahead (as Much as Possible):
Sometimes you wake up and you’re just done. But planning ahead around what to accomplish during sabbatical, how to fund it, and how to plan around inevitable uncertainty are critical to being able to actually relax.
Leverage Company Benefits:
Make dentist and doctors appointments while insurance is still provided. Take advantage of employer contributions to HSAs (if possible). Do bonuses get paid in February? Maybe that’s a good month to think about calling it quits.
Save Inefficiently:
Take advantage of employer matches in retirement accounts, but maybe maxing out your retirement contribution isn’t what’s needed right now. Save flexibly for what you need right now.
Pricing & Process
I’m a firm believer that everyone can use a guide in their financial life and I wanted to structure my business in a way that felt accessible to anyone, not just those with millions already saved.