Fast STarters

As a fast starter, you’re typically in your late 20’s or early-to-mid 30’s. You’re probably recently married to someone you love and respect and you’re starting to imagine life beyond the next few years. As you move into the next phase of life – you are reflecting on the next right things to do. Now that the kids are growing, you’re getting back onto your professional feet and settling into that new house you bought. Now that you’re earning over $175,000/year in combined income and recognize there are many important financial decisions that now involve more than just the two of you. You’ve heard how money is the #1 cause of divorce and you want to be sure you are working together on the same team towards shared goals because you’re painfully aware that the choices you’re making today can have a dramatic impact on your big picture. If you have hopes and dreams of retiring on your terms—and earlier than your parents did, then this is your group.

Values What's Important

• You’d rather spend money on experiences as opposed to material goods.

• You love to travel – learning new cultures, trying new food and seeing new places.

• You want to be sure you and your spouse see eye to eye with regards to money.

• You work hard but you play hard. You want your precious free time to be meaningful and aligned with your values.

• You want flexibility and optionality – you don’t want to be held down by a specific plan in the future.

• You want to spend time with friends and family.

• You work is a means to an end. If it’s not working for your vision, you are open to changing your work address.

Goals How We Coach You

• Strike a balance between enjoying this season of life and preparing for the next ones. You don’t want to make unnecessary sacrifices now for a life you want to live in the future – you want balance between both.

• Start taking guesses towards your initial shared goals and ensure you are making financial decisions that are aligned with those goals.

• Get your household finances organized and make sure you aren’t missing anything. Dig into your cash flow and develop an automated plan that strikes the responsible balance between paying off debt, investing and spending on yourself.

• Develop a strategic plan for your student debt and other debt.

• Possibly consider buying a home in the near future, whether that’s your first home or your next home. Kids, either the ones you have or the ones you’re planning for are a key consideration not only for housing decisions, but for decisions about how to balance their education plans with your retirement and investing plans.

• Create one common investment strategy across your various accounts.

• Optimize the value of your employee benefits now that you can access each other’s employee benefits after marriage.

Common Solutions Include

Financial Position and Net Worth
  • Learning more about what you have, where it is, and how it works is one of the key things that we can provide early in your financial journey. We can’t build a proper plan to reach your destination until we know where you’re starting out.
Risk Management
  • At this early stage, it’s vitally important that we prepare you and your plan for the possibility of unanticipated bumps on the road. In reality, by taking the right steps early in life, you can easily avoid many major pitfalls, while ensuring the people and organizations you care about are protected. Together we’ll figure out the right types and amounts of various insurance policies you should carry, and use those that are most likely to meet your short and long-term needs.
Student Loan and Debt Repayment Strategies
  • Many times the income you’re earning at this stage comes with a bit of a bitter pill—student loan debt. While we can’t make it magically disappear, we can position you in such a way that it doesn’t have to crush your dreams and aspirations. Balance between eliminating the elephant in the room and planning for your future goals is key and we can help you achieve it.
Investment Planning
  • You’re embarking on your lifelong investing campaign and we’re here to help. From selecting the right account types, to deciding how much should be dedicated toward long-term goals to make them work, we’ll help you identify the right investments to match your unique needs, personality, and level of comfort with risk.