Who We Work With

Mid Career Professionals
(Families or Individuals)


Balancing between living today and planning for the future.

At this point in your life, things are going smoothly. You’re enjoying hard-earned career success, you’re earning more money than you ever have before, and you’re generally comfortable with your financial situation. However, the more you think about the future, the more nervous you become. 


You’re saving for your kids’ college education, thinking about future retirement, and pursuing near-term goals – like building a business or buying a vacation property. It’s becoming more and more challenging to balance these financial aspirations with the daily schedule of raising a family and building a career.


Luckily, you don’t have to go it alone. Together, we can make sure you feel confident you’re on a path that can help enable you to enjoy your life in the now while saving enough to secure your future.


Common concerns include:

  • Am I on track for my long-term goals? 
  • How much should I be saving for retirement?
  • How much should I save for my children’s education?
  • How do I make sense of my employee benefits?
  • How do I balance paying off debt, funding my future, and living fully today?
  • How should I budget for variable income?
  • What can I do to help secure my children’s future?
  • How might my finances change as I move up the ladder in my career?
  • How should I invest my portfolio?
  • What do I do with my stock options?
  • How do I minimize investment fees so my portfolio can grow faster?
  • Is a pre-tax or Roth account better for me?

Age 37 & 38, married with two children (ages 6 & 2).


Alice is an interior designer with a large firm and Liam is a commercial real estate broker.

Meet Alice & Liam

Their concerns:


  • We don’t spend much time working on our finances. We work hard and put in a lot of hours at the office and with our kids
  • We now have a family and would like to figure out how to live our life now, have the opportunity to spend & enjoy our money, without worrying about underfunding our future
  • We don’t track our expenses well, but managed to live beneath our means. Our income is variable and it presents stress for us to make sure we can meet our monthly expenses
  • Liam wants to purchase additional real estate properties
  • We want to save for our children’s college
  • We would like to understand how we balance all of these balls in the air?
  • Alice still has graduate student loans to pay off
  • Liam is concerned about his parents’ retirement and most likely will have to provide support for them
  • Alice and Liam used to travel a lot before kids showed up, they would like to resume travel traditions
  • Alice also wants to make sure her employee benefits are fully maximized since her employer doesn’t offer a 401k match. She also has equity compensation, RSUs (restricted stock units).
  • They want to purchase their first home since they’ve been long time renters.


Our Solution:


Alice and Liam would benefit from a full comprehensive Money Roadmap to help them put all of the above-presented puzzles together, gain confidence, and feel empowered about their money as well as Navigation Support assistance to make sure their goals are met over time.


  • First, we’ll gather all the necessary information to discuss Alice and Liam’s net worth. How much have they acquired, what kind of debt are they carrying, and do we see their finances trending in the right direction?
  • The next step for Alice and Liam is to get a good handle on their variable cash flow. Liam’s paychecks are not regular and Alice’s income is not enough to cover monthly expenses.
  • Then we begin to clarify what exactly they want to accomplish. What are their financial goals? We’ll gather specific details like total cost, due dates for when they want to accomplish these goals, and whether they’re recurring or not.
  • We’ll then model their financial goals in our software (utilizing both an optimistic and pessimistic roadmap) to clearly understand the likelihood of achieving their dreams if they continue the existing pattern of saving/investing/spending.
  • Next, we identify areas of improvement that will increase the likelihood of turning their goals/dreams into reality. What happens if they save 3% more to Liam’s 401(k), or pay down Alice’s loans ahead of schedule, or begin that brokerage account that they hear so much about?


The Result: Alice and Liam walk away with a clear understanding of what adjustments need to be made to improve their financial future. They gained the confidence to back up their financial decision to help them balance between living today and planning for the future.