Client: Michael, Small Business Owner
Location: Illinois
Income: ~$200,000/year
Main Concern: Lack of protection and tax planning

The Challenge:
Michael was pouring himself into his small business but had no retirement savings, no insurance, no estate plan—and was operating without an LLC. As the sole provider for his wife and young child, he was vulnerable to both financial and legal risks. He was also missing opportunities to lower his tax bill.

How We Helped: 

Opened a Solo 401(k) → $59,940 contributed in Year 1
Estimated $15,000+ in tax savings (federal + self-employment)
Secured $1.5M term life & own-occupation disability insurance
Established an estate plan (will, POAs, minor’s trust)
Formed an LLC and separated personal/business finances

The Result:
In just a few months, Michael gained structure, protection, and meaningful tax savings. He now has the peace of mind that comes from knowing his family is secure—and his business success is fueling long-term financial stability.

Client: Alex, High-Earning Tech Executive
Location: Major Metro Area
Income: $300,000+ (base, commission, RSUs)
Main Concern: No coordinated plan or strategy

The Challenge:
Alex had strong income but no system—an underfunded 401(k), excessive cash earning little interest, no Roth savings due to income limits, and concentrated RSUs creating unnecessary investment risk.

How We Helped: 

Built a 6–12 month emergency fund
Maxed out 401(k) → $5,000+ in tax savings
Implemented Backdoor Roth IRA → $6,500/year of tax-free growth
Invested $100k+ idle cash into a diversified portfolio
Created a tax-efficient RSU sell-down plan to reduce concentration risk

The Result:
Alex now has a streamlined financial plan, reduced tax burden, and an investment strategy aligned with his long-term goals. He’s turning high income into long-term freedom.

Client: David, Retiring Executive
Location: Midwest
Net Worth: $1M+
Main Concern: Making savings last while supporting adult children

The Challenge:
David was nearing retirement with solid savings and no debt—but lacked a clear strategy to draw down his assets, reduce future taxes, and support his children without jeopardizing his own financial security.

How We Helped: 

Created a sustainable, tax-efficient retirement income plan
Delayed Social Security to age 70 → Increased benefits by 30%
Executed annual Roth conversions → Reduced future RMDs
Built a tax-free income bucket for later retirement years
Developed a lifetime gifting strategy to help children and grandchildren now

The Result:
A clear income plan for retirement
Increased Social Security benefits by delaying to 70
A smart, multi-year Roth conversion strategy
Peace of mind from gifting with intention and confidence
A values-based roadmap aligned with the life they want to live