Meet Michael and Jessica, a mid-career couple.
Age: Mid 30s
A mid-career couple with stable employment and a young child wanted to get organized financially and start making their money work harder for both near-term goals and long-term security. With pensions, retirement accounts, and a family home in play, they recognized the need for a coordinated plan that aligned their resources with their lifestyle goals.
Situation
Although disciplined savers, their finances were scattered and lacked a shared structure. One partner contributed regularly to a pension plan and held a legacy retirement account that had never been reviewed. The other partner, a business owner, had no retirement plan in place. They wanted to save for their child’s college education, but daily expenses and savings were managed without a consistent system. Adding to the challenge, one partner was from a different country and not fully familiar with U.S. financial planning options, which made money conversations and goal alignment more difficult. What they needed most was clarity, organization, and a framework that helped them work as a team.
The Approach
We created a roadmap to simplify their financial lives and build toward their goals:
We worked with this mid-career couple to bring clarity and structure to their financial lives. Together, we reviewed their existing accounts, mapped out pension benefits, and built a detailed cash flow analysis to track income, expenses, and savings while creating a framework for managing daily household spending. As they prepared to transition their condo into a rental property, we developed strategies to ensure the shift supported their long-term financial plan.
On the investment side, we recommended retirement account options for the business owner, such as a SEP IRA, and introduced ways to grow their assets in a tax-efficient manner while also strengthening their college savings strategy. We also completed an insurance needs analysis and offered tailored recommendations to safeguard the family’s financial future
Through ongoing sessions, we reinforced healthy financial habits, built accountability, and guided them in balancing everyday lifestyle choices with long-term wealth creation, helping them communicate more openly and move forward in alignment.
The Results
This couple now feels organized and aligned in their financial journey. They have clarity on their pensions, retirement accounts, and cash flow, confidence in tax-efficient strategies that prepare them for both retirement and college expenses, and control over their future with a plan that adapts to their evolving family needs. They’ve moved from scattered accounts and uncertainty to building wealth with structure and intention.
Financial Clarity in Action
Financial wellness is an ongoing journey toward confidence, fulfillment, and peace of mind. See how our clients transformed stress and uncertainty into confidence and control.
