Emerging Professionals
Personal planning to start your career and life out on the right foot.
Read the Case Study
Mid-Career Professionals
Stay agile and prepared for the future through your career and beyond.
Read the Case Study
Savvy Entrepreneurs
The intersection of your personal planning and small business planning.
Read the Case Study
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
Want a partner who will listen to them, not sell them a product
Challenges
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:
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.
A regular contribution to their emergency savings account (with a maximum interest and impact).
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.
A plan to use RSUs and bonuses to maximize their savings and student loan paydown, with a multi-year plan to minimize their taxes.
A negotiation plan for Parker that resulted in a higher base salary and bonus structure.
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
Goals
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
College is expensive… how can they plan for scholarships (or the lack thereof)
How Rising Financial helped Olivia and Devan
A spending and savings plan that covers their daily expenses and targets the right amount to retire when they choose.
A flexible, achievable college savings plan that accounts for scholarships or non-collegiate paths.
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.
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.
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
Goals
Partner with someone who is as financially savvy as she is and will build a multi-phased plan for financial independence
Challenges
Quinn doesn’t know what her practice is worth
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:
A practice valuation from a local organization to help Quinn understand the moving parts of setting up her succession plan.
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.
A charitable giving strategy using a DAF that will last for years and and minimize her taxes.
A retirement plan review helped Quinn pick the right option for her employees that was also financially sustainable to the business.
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.