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1: Creating A Plan

CARLOS & MARIA

CASE STUDY #1


AGE:

44 & 39


PRIMARY GOAL:

Create their financial plan + reduce taxes so their savings can allow them to retire as soon as possible.


san diego federal retirement advisor

THE CHALLENGE
Carlos and Maria don’t have a set retirement date and are not sure when they can retire.

Carlos is a supervisor with the Department of Homeland Security, and Maria is a teacher. Both are in their mid-careers, and while they’ve been doing a lot of things right:

  • Creating a high six-figure household income
  • Maxing out their TSP and 403(b)
  • Purchasing life insurance

With the arrival of their first child, Carlos and Maria feel like they need a comprehensive financial plan.

They admit…they don’t know what they don’t know.

As their family grows, they want an expert to help them make strategic decisions with their money. They also want help navigating taxes and investments.

THE APPROACH
Carlos and Maria weren’t sure where to begin, which is why they pursued professional help from a financial planner.

Plus, they’re busy. They don’t want to get bogged down trying to figure everything out on their own.

THE RESULTS

A comprehensive plan was put together that met all their needs:

  • A tax-efficient investment strategy to reduce risk and improve returns.
  • Reduced investment costs.
  • Improved asset allocation to better align with their goals.
  • A smart, sustainable rebalancing strategy.
  • A tax-efficient IRA funding strategy.

Carlos and Maria now enjoy the peace of mind that comes from a clear financial plan.

They have more energy and mental space to dedicate to what they enjoy — knowing they have a plan in place to help them accomplish their life goals.

Note: The above case study is hypothetical and does not involve an actual Create Your Path client. No portion of the content should be construed by a client or prospective client as a guarantee that he/she will experience the same or a certain level of results or satisfaction if Create Your Path is engaged to provide investment advisory services.

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