Legacy, Simplified.

Initial Challenges

When a successful construction business owner was referred to us by his CPA, he had already accomplished a great deal professionally. He had built a thriving company and accumulated significant personal and business assets. However, like many entrepreneurs, he hadn’t yet created a cohesive financial strategy that aligned with his goals—for his family, his employees, and his legacy.

At the time, there was no formal financial plan in place. His investments were scattered across multiple accounts with no centralized management or consistent risk allocation. The only structured savings was through his company’s 401(k), and even that plan was costly and underserviced.

His estate plan was outdated, his life and disability insurance policies were disorganized and expensive, and his children’s 529 plans were overfunded. On top of that, his spouse felt disconnected from their prior advisor and uninvolved in financial decisions.

 

A Holistic, Personalized Plan

We began by having thoughtful, in-depth conversations—not just with the business owner, but with his spouse as well. Our goal was to fully understand what they valued most, both personally and professionally.

From there, we developed a comprehensive, personalized financial plan that addressed their unique challenges and set them on a clearer path forward.

 

Strategic Improvements Across the Board

1. Investments: We consolidated and restructured all investment accounts, implementing a disciplined strategy tailored to their true risk tolerance and long-term goals.
2. Savings: Introduced a systematic savings plan beyond the 401(k), enabling intentional and efficient wealth growth.
3. Estate Planning: Worked alongside their attorney to update trusts and implement a more thoughtful gifting strategy that reflected their charitable goals and simplified estate administration.
4. Insurance: Ensured all policies were properly titled. Some were moved into trust to reduce tax exposure, others were restructured through the business for key person protection. Premiums were reduced by over 50% through strategic review and restructuring.

 

Legacy and Employee Impact

Planning for the next generation was just as important to them as managing their current financial picture. We helped their children establish their own estate plans and financial strategies as they began building families of their own.

At the same time, we took over management of the company’s 401(k) plan—reducing investment costs, improving employee education, and launching ongoing workshops to promote financial wellness across the organization.

 

A Transformed Financial Future

Today, this client has a clear, strategic financial plan that reflects what matters most to him and his family. His spouse is now an informed and engaged participant in the process. Their children are well-positioned for the future, and their employees are benefiting from better tools and support for retirement planning.

What was once a fragmented and reactive financial picture is now a unified, proactive plan—supported by a team that understands the full scope of their life, business, and legacy.

 

Ready to Build Your Financial Success Story?

If you’re a business owner or family juggling growth, legacy, and long-term financial clarity, we can help. This level of transformation isn’t reserved for just one client—it’s what we do every day for families like yours.

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