Moving into established careers, early foundation of family wealth
Ages (< 40 )
First time home buyer / larger home, paying off college loans, managing income vs expenses / budgeting effectively, debt and cash flow, balancing savings vs debt, financial stability, business startup, participation in company retirement plans, college savings plans, accumulating wealth, adequate insurance.
Dreamer, focus on career goals, marriage, family, entertainment, increasing living standards, healthy living, home ownership, adjust to expenses of growing children, convenience and efficiency, making change for good, investing for profit and purpose
Growth orientation with moderate risk management, advice on 401k investments and education accounts, investment education, preference for stock and equity holdings over bonds
60% Tactical Equity, 30% Blended Asset and 10% Income
Budgeting, assist with starting investment accounts, insurance options, mortgage and refinancing options, and measuring allocation of income to 50/30/20 rule (essential expenses, financial stability, lifestyle choices).
Developing wills, predator and creditor protection
Tax Prep and Planning
Planning and annual preparation