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We helped Joe reduce the interest rate on his $50,000 credit card debt balance from an average rate of 17% to 3.5% by securing the debt against equity in his home.
We helped Stacy identify that holding $100,000 in cash would not allow her to achieve her long term goals and reallocated the cash into an emergency fund and a wedding fund and helped her invest the rest.
Amari was saving a lot of money each month but didn’t know where to put it to grow her wealth. We helped her devise and implement a strategy to max out her 401(k) and open an investment account.
Jane had ⅓ of her assets in her company stock. We helped her develop a plan to sell this down in a tax-efficient way, reinvest in broadly diversified investments, and develop a strategy to deal with newly vesting RSUs to prevent her portfolio from becoming unbalanced again.
Fred wasn’t sure if he should save for his child’s college using a 529 or a Roth IRA. We analyzed his personal situation and determined that a 529 is optimal for his family’s needs.
Jamie had no assets to her name and recently inherited a large debt from her divorce. We helped her develop a plan to prioritize emergency savings, debt paydown, saving for retirement, and taxable investing.
Statistics Referenced: PWC 8th Annual Financial Wellness Survey 2019, John Hancock Financial Stress Survey 2019, Annual Salary Finance Report 2019, CNBC Invest-in-You Survey 2019
