Ryan and Emily

Case Study #1

AGE: 41 & 39

Profession: Psychologist and Software Executive

Primary Goal:

intro, they are successful

They currently hold a variety of investment accounts, including 401ks from their employers, stock options, an ESPP, and multiple brokerage accounts.

Ryan and Emily have two young children and a dog. They bought their first house a few years ago, but it might be time for an upgrade as the kids get older. They look forward to traveling and enjoying time before the kids go to college.

THE CHALLENGE

Ryan and Emily were pretty sure they were on a good track. They made good money and lived modestly, but they had never really stopped to make sure they were finish.

Ryan and Emily craved a better plan that would let them know they were equipped to meet their goals. However, they had more questions than answers:

• How much should we be putting away for college?

• Should we invest more or pay down our mortgage?

• What is my money invested in?

• What are the tax implications of selling our stock options?:

They knew seeking professional help was the right choice because life was busy enough between work and kids. They would rather delegate the work so that they had peace of mind and a plan that truly worked for their family.

THE APPROACH

The first step for Ryan and Emily was to sit down with someone who would actually listen to their questions and concerns. They wanted to be heard and not sold to.

There is an understandable mixture of excitement and uncertainty when it comes to financial planning.

Once their goals were clearly documented, a personalized financial plan that was aligned with their values and priorites could be created.

THE RESULT

After reviewing the plan, Ryan and Emily were able to:

• Figure out the right amount to put away each month for their children’s college

• Reduce potential taxes through the systematic sale of their stock options

• Maximize the effectiveness of their savings and investments during these high earning years

• Organize their assets and prioritize their money to fund what matters most

With a plan in place, Ryan and Emily are able to focus on their family and their careers with the confidence that they are making the right financial moves.