Case Study

Meet Kyle (45) and Claire (43) — busy parents of three with a full life and competing priorities.

Between work, home projects, vacations, job transitions, cars, kids’ sports, country club dues, college planning, and retirement, they’re juggling more than ever. Their income has grown, but so have their expenses—and they’re not sure if they’re striking the right financial balance.

They’re asking important questions:

• Do we have a strong enough emergency fund?
• Are we saving enough in our 401(k)s?
• Could one of us step back from work if needed?
• How much should we be saving for college?
• Should we supplement our employer-provided life insurance?

Like many dual-career families, Kyle and Claire are dealing with the complexity of modern life, the volume of decisions they need to make, and the confusion of not knowing where to start.

We began with the Personal Mission Builder, a space for them to get on the same page and clarify their shared priorities. From there, the Cash Flow Roadmap helped them assess their current path and allocate savings more intentionally across short- and long-term goals.

The Capital Growth Formula provided tailored investment strategies for their 401(k)s, IRAs, brokerage accounts, 529s, and HSA, while the Protection Solution guided them through life insurance options and basic estate planning with trusted professionals.

Now, through our Elite Engagement program, Kyle and Claire are equipped to move forward with greater clarity, confidence, and alignment—as their kids grow, life changes, and new priorities emerge.