Here you can read examples of how we work for our clients. Names and photos have been changed for privacy.
Susan - Tech product manager, assets in 20 accounts, and wants to retire at 55
Susan came to us two years ago looking for advice on retirement in 10 years when she turns 55. The first thing we did when we got started was to review all her assets. She had worked in Europe and Asia over the past decade, so she had assets spread around the world. When we listed everything in a single document, we discovered that she had 20% more money than she thought. A large amount of that was cash in foreign currencies. Now, we work together reallocating and consolidating her assets to make all of her money work hard for her. Susan also inquires regularly about financial questions that come up in her life, like buying or leasing a car and optimizing her tax situation. We happily answer her questions and provide reassurance that she is on the right track.
James - The transition from fulltime to 3/4 time to full retirement
James wanted to work towards full retirement with the comfort of having a steady retirement income from his investments. However, retirement seemed like a big step from 30 years of working full-time and saving. So James came to us, and over the last 12 years, we first transitioned him from full-time technical contributor to 3/4 time, and six years ago at age 62 to fully retired (James had set out 15 years, so this was a great result!). After listening to what was important to James, we worked out a personalized strategy for him that resulted in the steady retirement income he was looking forward to by providing asset growth and the income generated from ARM Financial managed investments.