Aug 22, 2025
Client Background
A client in their 40s and 50s, with 20 years of career changes, approached us to organize their scattered financial accounts.
Challenge
The client had multiple 401(k)s with various investment companies and several bank accounts, causing confusion and administrative burdens. They wanted a streamlined approach for easier management and beneficiary planning.
Solution
We consolidated their 401(k)s into a single IRA, managed with an investment strategy aligned with their risk tolerance and time horizon. We also streamlined their savings and checking accounts into fewer, more manageable accounts, ensuring clear beneficiary designations and simplified oversight.
Results
The consolidation simplified the client’s financial life, reducing administrative complexity and improving oversight. The unified IRA allowed for cohesive investment management, and clear beneficiary designations eased future transitions for their heirs.
Are your finances overly complicated? Contact Michael Brady for a personalized consultation to discuss how your wealth can align with purpose and possibility.
Aug 22, 2025
Client Background
A client, nearing retirement, sought our guidance, overwhelmed by market volatility and a fear of losing money.
Challenge
The client’s conservative approach, keeping funds in low-yield bank accounts, jeopardized their ability to achieve their retirement goals due to insufficient returns. They needed to embrace calculated risks to meet their long-term objectives.
Solution
We conducted a retirement analysis to demonstrate that low-risk investments wouldn’t meet their goals. We educated them on market volatility, demonstrating that diversified portfolios have historically recovered over time. We implemented a balanced investment strategy with mitigated risks, aligning with their long-term objectives.
Results
Over 20 years, the client’s diversified portfolio weathered market fluctuations and achieved sufficient growth to meet their retirement goals. Their increased comfort with calculated risks, supported by our ongoing guidance, ensured they stayed on track for a secure retirement.
Are market fears holding back your financial goals? Contact Michael Brady for a personalized consultation to discuss how your wealth can align with purpose and possibility.
Aug 22, 2025
Client Background
An older client worried they couldn’t retire at their desired lifestyle due to limited savings and a short runway to retirement.
Challenge
The client’s savings and expected returns were insufficient to fund their retirement lifestyle. They needed to adjust key variables—savings rate, retirement age, or lifestyle expectations—to achieve their goals.
Solution
We performed a retirement analysis to evaluate their assets, liabilities, income, and expenses. We identified actionable variables: increasing savings, delaying retirement, or reducing retirement expenses. Together, we prioritized delaying retirement by a few years and boosting savings, balancing their current lifestyle with future security.
Results
By adjusting their retirement timeline and savings rate, the client significantly improved their retirement outlook. The clear plan provided confidence, and our annual monitoring ensured they remained on track, adapting to any changes in their circumstances.
Are you unsure which retirement variables to adjust? Contact Michael Brady for a personalized consultation to discuss how your wealth can align with purpose and possibility.
Aug 22, 2025
Client Background
A young couple with children, just starting their financial journey, sought our help to balance saving for education, retirement, and asset protection.
Challenge
With a low-rate mortgage and dual incomes, the couple faced competing goals: funding their children’s education, saving for retirement, and protecting their growing assets. Limited liquidity posed a challenge for short-term needs.
Solution
We prioritized asset protection by securing life insurance and confirming employer-provided disability insurance. We recommended contributing to a Roth 401(k) for tax-free retirement savings and a non-retirement investment account for long-term, liquid growth. For education, we recommended automatic monthly contributions to a Colorado 529 plan, balancing flexibility and tax benefits.
Results
The couple built a solid financial foundation, with protected assets, tax-efficient retirement savings, and a flexible education fund. Their liquid investment account provided short-term security, while our ongoing guidance ensured that their plan evolved in line with their family’s needs.
Are you starting your financial journey? Contact Michael Brady for a personalized consultation to discuss how your wealth can align with purpose and possibility.
Aug 22, 2025
Client Background
A client with significant illiquid investments from a previous advisor sought our assistance in aligning their portfolio with their financial objectives.
Challenge
The client’s portfolio was heavily concentrated in real estate and other illiquid assets, which limited their access to funds and misaligned with their liquidity needs. These investments were suitable for others but not for their goals.
Solution
We identified quarterly liquidation opportunities within their investments and systematically sold the maximum allowable amounts. The proceeds were reinvested in liquid, long-term investments that better aligned with their objectives, executed over multiple years to optimize value.
Results
The client’s portfolio transitioned to a more liquid, diversified structure, aligning with their financial goals. They gained greater flexibility and control over their assets, ensuring their investments supported their lifestyle and future plans.
Are illiquid investments limiting your financial flexibility? Contact Michael Brady for a personalized consultation to discuss how your wealth can align with purpose and possibility.
