Uniting Passion with Purpose

You take care of animals and people. We take care of you.

Comprehensive Planning

Sustainable Investing

Membership Pricing

Emerging Professionals

Personal planning to start your career and life out on the right foot.

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Mid-Career Professionals

Stay agile and prepared for the future through your career and beyond.

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Savvy Entrepreneurs

The intersection of your personal planning and small business planning.

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Don’t fit one of these molds? That’s okay! We meet you where you are to help you make the world better for yourself and others.

Sucess Story*

Emerging Professionals

Young couple starting their careers and family

Parker & Marion

Ages: 26 & 29
Marital Status: Getting married this year, want kids soon

Situation

Parker just finished residency and has been offered an exciting position at a local non-profit hospital, but she doesn’t know if she should negotiate the offer, or how. Marion is a software engineer at a local start-up. She was recently promoted and is happy about her rise in income, but doesn’t understand the details about her expected bonus and restricted stock units. They are passionate about helping underserved communities and spend their weekends volunteering at a local homeless shelter.

Goals

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Negotiate for the best salary + benefits package for Parker
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Understand Marion’s new stock options (and their tax impact)
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Merge their finances once they’re married
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Pay for their upcoming wedding, save for IVF/IUI, buy their first house
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Pay down student loan debt, save for their future AND live a great life today
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Contribute the right amount to 401k and 403b plans and invest in companies that are making a difference
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Want a partner who will listen to them, not sell them a product

Challenges

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Large upcoming expenses that could take their budget off-track
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Not enough time to spend on their finances
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Unsure if the decisions they’re making are the “right” ones

How Rising Financial helped Parker & Marion

Our Emerging Professionals plan was just right for Andrea and Emily. After working together through a series of vision exercises, we helped them develop a plan that reflected their goals and values. This plan included a few key elements:

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A joint cash flow and banking plan that allowed them to feel good about their expenses now and know they’ll have enough for their family planning.

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A regular contribution to their emergency savings account (with a maximum interest and impact).

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A strategy to invest for the long-term by maximizing their employer matches, opening Roth IRAs and saving into a joint investment account, all with choices that match their values in a tax-efficient manner.

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A plan to use RSUs and bonuses to maximize their savings and student loan paydown, with a multi-year plan to minimize their taxes.

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A negotiation plan for Parker that resulted in a higher base salary and bonus structure.

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A student loan paydown plan.

After establishing our initial plan, we met with Parker & Marion three times a year to check in and adjust recommendations as their lives and the laws changed. We also made sure to screen-share each year during open enrollment to make selections that best fit their goals that year.

And to top it all off, Parker & Marion have led 2 of our last 3 volunteer days, introducing the Rising Financial community to new organizations where we can spend time together lifting others up.

Sound like you? Schedule a Call and find out how Rising Financial can help you too!

Sucess Story*

Mid-Career Professionals

Dual income family of 4

Olivia & Devan

Ages: 43 & 38
Marital Status: Married, 2 kids from previous marriages, ages 4 and 5.

Situation

Olivia is a pharmacist and Devan is an ER nurse, both at a large regional hospital where they met. Olivia is politically active and is thinking about running for the city council. Devan loves his job and often works overtime but doesn’t know how to account for the “extra” income he earns, or if he’s saving enough for their annual tax bill. On top of their mortgage and everyday expenses, the kids attend a private school, and take music and dance lessons. They worry about saving for college tuition, and retirement, and after Devan’s mother was diagnosed with Alzheimer’s, estate planning has also been on their minds.

Goals

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Develop a financial plan they can stick to
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Make smart money choices to ensure a long, funded retirement
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Save enough for college tuition
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Cut back at work to volunteer more
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Establish a family estate + long-term healthcare plan
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Have a partner who won’t talk down to them about this confusing stuff or judge them for the choices they’ve made in the past

Challenges

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They don’t know if they’re saving “enough” for retirement or if they can afford to cut back hours
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They always owe taxes in April and want to plan for it better
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College is expensive… how can they plan for scholarships (or the lack thereof)

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Don’t know what estate documents they need to protect themselves, their kids, and their aging parents

How Rising Financial helped Olivia and Devan

Our Mid-Career Professionals plan was a great fit for Olivia and Devan. First, we went through a series of vision exercises and developed a plan that reflected their goals and values. This plan included a few key elements:
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A spending and savings plan that covers their daily expenses and targets the right amount to retire when they choose.

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A flexible, achievable college savings plan that accounts for scholarships or non-collegiate paths.

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A career plan that supports Olivia cutting back her hours to focus on her political aspirations, including a savings plan to fund her run for office.

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A family estate plan, complete with a revocable living trust, power of attorney, healthcare directives, and guardianship documents to protect their blended family and long-term insurance to cover their own future health concerns.

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Simple changes to their withholdings and charitable giving strategy to lower their tax bill in April.

Moving forward, we met with Olivia and Devan three times a year to review their plan and make needed adjustments. We also helped them build a plan to help Devan’s mother with possible, unexpected healthcare costs.

Sound like you? Schedule a Call and find out how Rising Financial can help you too!

Sucess Story*

Savvy Entrepreneurs

Small business owner of a pet hospital

Quinn

Ages: 48
Marital Status: Single

Situation

Quinn owns a veterinary practice and would like to sell it in the next 10 years and begin an early retirement. In the process, she wants to be sure her employees are taken care of and already wants to offer a more competitive benefits package to her employees. Quinn wants to explore the world but doesn’t know what comes next. She is interested in animal rights and would like to do more for charities like PETA and WWF, or maybe even start another business.

Goals

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Develop a succession plan to sell her practice
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Use the proceeds from her business sale to fund her retirement and values
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Take care of her employees and improve their benefits package
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Donate more to charities and invest with heart
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Partner with someone who is as financially savvy as she is and will build a multi-phased plan for financial independence

Challenges

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Quinn doesn’t know what her practice is worth

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She doesn’t know how much she needs to be financially independent
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Owning her own business makes taxes complicated
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The rules for retirement plans at work are tricky, and picking the wrong one can be expensive
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She has heard of a Donor Advised Fund (DAF) for her charitable giving but doesn’t know how to start one, or if it’s the right choice for her
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She doesn’t want to make these big decisions alone

How Rising Financial helped Quinn

Our Savvy Entrepreneur plan was a great fit for Quinn. First, we went through a series of vision exercises and developed a plan that reflected their goals and values. This plan included a few key elements:

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A practice valuation from a local organization to help Quinn understand the moving parts of setting up her succession plan.

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A focused retirement savings plan that will allow her to travel the world for 2 years and helped her clarify her next phase of life goals.

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A charitable giving strategy using a DAF that will last for years and and minimize her taxes.

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A retirement plan review helped Quinn pick the right option for her employees that was also financially sustainable to the business.

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A giving and investing plan that helped Quinn support a range of investments from sustainable funds to micro-lending and giving back.

With her plan in mind, we met 3 times a year to keep her plan relevant and on track. We helped Quinn figure out how to use her investment savings to fund her early retirement when to start social security, and even strategize a few years of Roth conversions paired with large charitable donations.

Sound like you? Schedule a Call and find out how Rising Financial can help you too!

*Please Note: The above Case Studies are hypothetical and do not involve actual Rising Financial clients. Case Studies illustrate the hypothetical experience of a fictitious client based on a scenario that an actual client might experience. These Case Studies are designed to generally illustrate how we may provide our services to our clients. Keeping in mind that no two clients, situations, or experiences are exactly alike, the Case Studies are not to be construed as an endorsement of Rising Financial by any of its past or current clients, nor any assurance that Rising Financial may be able to help any client achieve the same satisfactory results. To the contrary, none of the Case Studies should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if Rising Financial is engaged, or continues to be engaged, to provide financial planning and investment management services.