Clients we serve

Our clients are united by a shared belief in our core values. Despite being at different life stages with varying needs, they all adhere to our belief that everything belongs to God. We guide our clients in managing their time, talent, and treasures through comprehensive financial planning and implementation.

#1 Recently married

You're in your late 20s to early 30s, recently married, and earning over $150,000 annually. Recognizing the importance of joint financial decisions to prevent future issues, you aim to align your financial goals with your spouse.

#1 Pain Points

    • Difficulty in combining bank accounts, debts, and financial responsibilities.

    • Uncertainty about how to manage joint expenses and individual spending habits.

    • Challenges in creating a unified budget that accommodates both partners' needs and wants.

    • Struggles with aligning on financial priorities and goals.

    • Concerns about managing and paying off any existing debts (student loans, credit cards) together.

    • Anxiety about one partner’s debt affecting the financial health of the couple.

      • Challenges in building and maintaining an adequate emergency fund to cover unforeseen expenses or income loss.

      • Determining the appropriate amount to save and the best strategies for growing the fund.

    • Struggles with effective communication about money and financial decisions.

    • Potential conflicts arising from differing spending habits and financial philosophies.

    • Increased stress levels due to financial pressures and uncertainty.

    • Fear of financial instability affecting the relationship.

#2 Married Household with children

You’re in your mid-30s to early 40s, likely more established in your careers, and your household income is over $200,000. Despite your demanding work schedules, you likely have some flexibility to manage your bustling lives. However, you're uncertain about how to best allocate your excess savings.

#2 Pain Points

    • Increased stress and anxiety due to the responsibilities of parenthood and financial pressures.

    • Concerns about providing a stable and secure future for their children.

    • Finding the right balance between allowing teenagers independence and providing necessary guidance and oversight.

    • Ensuring teenagers make responsible decisions while respecting their growing autonomy.

    • Managing the significant increase in expenses associated with raising young children, such as childcare, healthcare, and education.

    • Balancing the costs of everyday necessities (diapers, clothing, food) with long-term financial goals.

    • Difficulty in creating and sticking to a budget that accommodates the needs of a growing family.

    • Struggles with unexpected expenses and emergencies that can strain the family budget.Managing increased household expenses, including food, clothing, extracurricular activities, and transportation.

    • Dealing with the cost of technology and gadgets that teenagers often require for school and social activities.

    • Struggles with balancing work commitments and family time, leading to potential burnout and strained relationships.

    • Ensuring that both parents are equally involved and supportive in child-rearing and household responsibilities.

    • Navigating the complexities of health insurance, life insurance, and disability insurance to ensure adequate coverage for the family.

    • Ensuring that employer-provided benefits are maximized and well-understood.

    • You're undecided about the appropriate amount to allocate to 529 plans, taxable accounts, or cover using cash flow or just pay out of cash flow

#3 married household nearing or at retirement

You’re in either your early 50s, very close to retirement, or at retirement with a household income exceeding $250,000. You are focused on preparing for the next chapter of your life. This might include considering changes in living arrangements and careers and shifting focus back to you and your spouse.

#3 Pain Points

    • Do I have enough to retire?

    • When should I retire?

    • Will I have to work during retirement?

    • When should I claim my benefits?

  • Managing healthcare costs as teenagers require different medical and dental care, including braces, sports injuries, and routine check-ups

    • Maintaining open and effective communication with teenagers who may seek more independence and privacy.

    • Addressing conflicts and misunderstandings that arise due to differing perspectives and priorities.

    • Confused on navigating the taxation of assets