Have you reached your DIY expiration for managing your own finances?

As you progress in your career, your earnings increase, your responsibilities expand, and so does the complexity surrounding your finances. You find yourself aimlessly clicking through open enrollment and missing key deadlines (IRA contributions, HSA contributions, 529 Plan contributions, etc.). Tax laws are constantly changing the financial landscape, and you find yourself struggling to keep up with it all.

• Too busy with what’s important to manage your personal finances.
• Large bank account balances not working for you.
• Unsure of what to do with your equity compensation (RSAs, RSUs, ESPP, or stock options) or your concentrated stock position.
• Not maximizing your employee benefits, 401(k) plan, employee stock purchase plan, and more.

What started out as a side hustle has turned into a full-blown business. You are wearing so many different hats, clients and customers are taking precedent, and personal financial management is taking a backseat. Delegation may be the next step for you to take your business and personal finances to the next level.

• Lack the proper team of professionals to support you and your business (tax professional, bookkeeper, attorney(s), insurance representatives) and someone to coordinate it all.
• Missing or not making estimated tax payments—no tax planning.
• Do not have a business retirement plan established or unsure if the one you have is the best option for you and your business.
• Trouble separating business and personal finances.

You have been disciplined and consistent in your saving and investing. You have accumulated assets and have already achieved a few major financial goals. Either you have built a strong career for yourself, or your own business, but now you are thinking about what’s next and if you’re prepared.

• Are you own track to retire? If so, when?
• What does retirement look like? Full stop? Work optional?
• What do you do when the paychecks stop? Where does the money come from?
• Do you have a business transition plan in place? Do you need one?

You have made it to the proverbial finish line. If executed properly, retirement should be part lifestyle decisions and part financial decisions. Retirement is new territory for everyone and ever-changing. Affording it is one thing, but living a fulfilling and prosperous retirement is another thing entirely. Are you considering both?

• Are you looking to offload the stress and responsibility of managing your own retirement (cash flow management, Medicare planning, Social Security election, estate planning, and more)?
• Are you worried that one spouse would struggle to manage your finances alone? Will they require the support of a team?
• Wondering what your legacy will be? Does your estate plan still match your wishes?
• Wanting to ensure a smooth transition to the next generation? From efficient asset transfers, to liquidity management, to estate administration, and more.