Client Success Stories
They came to us because they felt they had "outgrown" their former accountant. Their growth to sales of $15 million introduced a complexity that their accountant's small accounting firm just couldn't handle.
They wanted to work with a team of professionals with a broad range of skills in tax, accounting and succession planning.
Individuals Approaching Retirement
The wife, soon-to-be age 66 and still working full-time, was planning to start her Social Security benefits at her full retirement age of 66. Her husband, several years older, had already started taking his benefits at his full retirement age.
After meeting with them and reviewing their particular situation, we soon realized delaying his retirement for the extra credits was nice, but we needed to step back and look at the bigger picture.
They needed retirement planning - especially to determine when they could/should retire.
This couple was nearing retirement and had accounts with more than 10 different places/firms. They had no coordinated plan, their taxes were high, they were not sure who to trust and their former investment advisor had retired.
They were finally making extra money and wanted to be wise about how they were using it. They also wanted to retire early - at age 55 or 60 rather than 65. Since they had children they were concerned about planning for their college funding.
We began working with them as tax clients in early 2012. A few months after we prepared their income tax returns, they asked us to advise them on their investments.
They felt overwhelmed by the complexity of their finances and the complicated tax laws. They had practice debt to pay, college debt to pay, needed to meet payroll, and wanted to save for retirement.
They wanted advice on cash flow allocation (debt management vs savings vs investing). They wanted to start investing.