Common Sense
Coaching for
Thoughtful,
Caring People
Who We Serve
We are often introduced to clients experiencing or contemplating a complex and emotional life transition, and they typically fall into one of the following life stages:
Growing Years
(35-54) Younger professionals and families building wealth.
• Creating order and constructing an actionable plan to reach future planning objectives.
• Maximizing benefit plans and designing investment strategies to accumulate wealth and maintain tax awareness.
• Protecting your family (cash flow, insurance, legal matters).
Transitioning Years
(55-69) We call this the Fragile Decade where we are mentally and monetarily preparing for retirement in 5-10 years.
• Answering the question: Do you have enough money to retire comfortably and sustainably?
• Building a retirement income portfolio that shifts from accumulation goals to distribution objectives while keeping pace with inflation.
• Creating a tax efficient and predictable cash flow and spending plan.
Aging Years
(70+) Have been retired for 5+ years.
• Maintaining predictable retirement income strategies while being tax aware and efficient.
• Reviewing legal matters, charitable giving, and overall estate planning strategy.
• Aging planning & considerations: where to live (at home or in a community); costs and services available; how to best pay for possible transitions.
Once you make a decision, the universe conspires to make it happen.
Emerson
We thrive when we are engaged with thoughtful, caring people, who are interested in an ongoing relationship — not those just looking for or needing an account. So much of the enjoyment of our work is in the connectivity with others.