PLANNING FINANCIAL FUTURE

Gloria wants to take a more proactive approach to managing her finances. She’s focused on building financial confidence and maximizing her resources for the future.

While she enjoys living in her luxury apartment, Gloria plans to purchase a home in the next few years. She’s looking for a savings strategy that balances her goal of buying a home in the near future with the need to continue saving for retirement.

Although multiple brokers have contacted her to pitch financial products, Gloria isn’t interested in buying a product. She’s seeking a long-term relationship with a fiduciary financial advisor who can provide expert guidance tailored to her evolving needs. She wants help not only with planning for today but also with navigating life’s financial changes over time.

Gloria also needs support in determining how to best handle her RSUs and which types of accounts to prioritize. These include a taxable brokerage, IRA, Roth IRA, 401(k), and deferred compensation, all of which play a role in optimizing her long-term financial strategy.

Gloria wasn’t sure where to start, so she reached out to Safe Landing Financial (SLF) for a complimentary introduction meeting to plan her financial future. As a trusted advisor, SLF starts every new relationship by asking questions and listening to understand their unique financial situation. Here is how SLF helped Gloria plan for her financial future.

SLF gave Gloria peace of mind by helping her visualize and discuss a customized financial plan tailored to her goals and lifestyle.

Here are some of the ways SLF helped Gloria work toward financial independence:

• Cash Flow and Savings Strategy: SLF helped Gloria develop a savings strategy that balances her desire to purchase a home with long-term retirement goals. This included building an emergency fund and ensuring she can live comfortably within her budget.
• Scenario Planning: SLF stress-tested different scenarios to ensure a high probability of success for Gloria’s financial goals, showing how her resources could support her lifestyle throughout her life.
• Investment Strategy: SLF created an investment plan aligned with Gloria’s risk tolerance and financial goals. Investment fees were reduced by transitioning account management to SLF. SLF also reviewed Gloria’s 401(k) options and implemented a long-term asset allocation and rebalancing strategy.
• RSU Strategy: SLF developed a plan to reduce concentration risk and improve tax efficiency around Gloria’s RSU compensation.
• Contribution Planning: SLF identified which accounts, such as a 401(k), Roth IRA, IRA, deferred compensation, and taxable brokerage, should receive future contributions to optimize for both lifestyle needs and tax efficiency.
• Employer Benefits Optimization: SLF guided Gloria on how to make the most of her available Dell Technologies workplace benefits.
• Tax Planning: SLF helped minimize Gloria’s taxes by evaluating retirement account contributions, Roth conversions, charitable giving strategies, Social Security, and future income distributions.
• Professional Coordination: SLF worked directly with Gloria’s CPA, estate planning attorney, and insurance agent. This ongoing collaboration ensures the financial plan remains aligned with changing laws and that no important details are overlooked.

With her financial life organized and a long-term plan in place, Gloria now feels confident about her future.

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Mega-Backdoor Roth Guide

Backdoor Roth Guide

Deferred Compensation Guide + Case Study

HSA Guide + Strategy for Reimbursement

RSU Guide + Strategy After Vesting

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Business Insider: How Much Money You Need to Retire at Every Age and Comfortably Live on Investment Income

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Disclosure: The above mid-career professional case study is hypothetical and does not involve an actual Safe Landing Financial client. No part of this content should be taken as a guarantee that their household will experience similar results if Safe Landing Financial is chosen to provide financial planning services.