Those who are just starting out; a new career out of school or starting a family.
Career Starters often are burdened with debt: school loans, credit cards, car, home.
Career Starters seek guidance on how to manage their debt while saving for the future and protecting themselves and their family.
Oftentimes, Pre-Retirees have taken several steps to plan for retirement. They’ve likely received little, if any, financial planning advice. They seek guidance on how to maximize their final working years to set themselves up for a successful, comfortable retirement built around the lifestyle they’ve envisioned.
Most Pre-Retirees are not equipped to tackle the particularly important decisions of when to start Social Security and the complex Medicare rules.
Early Retirees go through a complete 180-degree shift in their mindset. They’ve saved all of their working years for retirement. But at retirement, the paycheck stops.
Early Retirees need help in creating a sustainable income stream to replace their paycheck and to support their desired lifestyle.
Studies show the first 5 years of retirement are crucial to ensure retirement income success. Major mistakes or significant portfolio losses can have devastating effects for the Early Retiree.
Family Stewards can be any age, but typically are at or near retirement.
They have a strong desire to leave a legacy to their children and grandchildren.
They seek to make wise decisions to reduce income and estate taxes and maximize their financial legacy.
The Small Business Owner spends countless hours working in their business to support their family. They have limited time to devote to their own finances.
Small Business Owners typically lack proper strategies to protect themselves and their business in the event of illness, disability, or death. They need retirement savings options that are not a time-consuming burden so that they have more than just the business as an asset at retirement. They also need to offer benefits to retain key employees.
Christians seek to honor God in every phase of their life and their money and possessions are no different.
They desire to follow a biblical approach when it comes to debt, saving, giving, spending, planning, protecting, and investing.
This takes a unique understanding of the over 2,000 references throughout the Bible when it comes to finances.