With six years left before retirement, Alex and Morgan are juggling a lot. Alex is a high-performing real estate agent with an unpredictable income and limited retirement planning beyond a SEP IRA. Morgan works a W2 job with benefits, and together they’re raising kids, managing multiple rental properties, and trying to plan for college expenses—all while keeping an eye on the finish line for retirement. They’ve done well financially, but they’ve reached a point where they want a clear, proactive plan—and a professional partner to help them execute it. They’re tired of piecing things together and want to delegate the details so they can focus more on their family, travel, and community.
We took time to understand their financial picture, goals, and available resources. From there, we built a strategy that aligned their current responsibilities with their long-term vision—providing clarity, structure, and peace of mind.
We also identified opportunities to strengthen their tax and retirement strategy, including transitioning from a SEP IRA to a Solo 401(k), allowing for both higher contributions and Roth IRA backdoor planning.
Alex and Morgan now have a comprehensive financial plan and a dedicated team to help them stay on track:
Created a retirement funding plan to bridge the final years before retirement
Opened and funded a Solo 401(k), rolled over SEP funds, and implemented backdoor Roth IRA contributions
Built a college savings strategy that reflects their goals and timeline
Evaluated rental properties to understand their long-term value and simplify decision-making
Delegated ongoing investment management and account administration
Developed a spending plan for retirement that balances family support, travel, and lifestyle goals
With their financial life in order, Alex and Morgan can shift their focus from managing the details to enjoying this next chapter with confidence.
.png)
.png)
