Time is on your side.
Heavily investing when you are young sets the stage for financial independence. Our typical young professional client is in their 20s, 30s or 40s, has worked hard to have a high income and a strong desire to make the most of it and delegate to a professional. They live modestly relative to their income and aggressively save and invest in a responsible way instead of trying to beat the markets or follow trends. Here we focus on:
Creating a savings rate conducive to future financial independence.Saving and investing in the right types of accounts (HSA, 401k, Roth IRA, Brokerage, etc.) to create tax efficiency and flexibility.
A risk-based investment approach across your accounts which balances the uncertainly inherent at this stage in your life with the opportunity of having a long time horizon.
A holistic approach to planning including estate planning, life insurance and risk management needs, education planning for your children, tax planning, etc.
Looking at how individual goals, such as a second home, affect your trajectory towards financial independence.