Alex & Maria
Case Study 01 : Early 40s
Balancing Growth and Family
Primary Goals:
Save aggressively for retirement while raising kids, Reduce taxes through smarter planning , Protect their family with the right insurance and estate planning
Alex and Maria are in their early 40s, juggling careers, two kids, and busy lives. They’ve been saving into retirement accounts but aren’t sure if it’s enough—or if they’re doing it the right way. They also want to save for college while making sure their family is financially protected if something unexpected happens.
The Challenge
They felt pulled in every direction:
- Retirement savings vs. college and home goals
- High tax bills with no strategy
- Outdated insurance that might not protect their family
- No estate plan in place for their children
The Approach
We built them a clear, family-centered plan:
- Reviewed taxes and added strategies like Roth conversions, backdoor Roth contributions, and tax-loss harvesting
- Updated life insurance and built an estate plan with guardianship for peace of mind
- Created a college savings plan that didn’t derail retirement
- Streamlined investments for long-term growth with short-term flexibility
The Results
Alex and Maria now feel in control. They’re saving smarter, paying less in taxes, and know their kids are taken care of. Most importantly, they’re confident their retirement goals are still on track—without sacrificing their family’s needs today.
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