Plan. Grow. Insure to Protect.

Leslie is single, has been working at Coors for the last 10 years and has progressed in her role each year. She is now living by herself, trying to juggle the responsibilities of her extended family, and managing her growing wealth. She knew she wanted to focus her career and have someone else manage the finer details of her financial plan and investments. She needed someone to look at her outside investments as well as the multitude of Coors benefits, and ensure they were both complimenting each other.

As part of her plan, we: 

• Organized her financial picture into an easy-to-understand summary. 
• Designed a process to streamline how her extensive benefits package impacted her personal situation. 
• Had multiple discussions regarding what retirement might look like – both in the best circumstances and if times became tough. 
• Designed a prudent investment portfolio that aligned with the optimum amount of risk Leslie wanted to take, while also planning for a long-term investment outlook. 
• Put a retirement plan in place to aid long-term savings and save on taxes. 
• Discussed, in the best case scenario, when she could change careers to work less and be able to care for her parents, when that time came.

Meet Sarah and Tom, a young couple navigating the joys and challenges of starting a family. Both have recently begun new jobs, balancing the excitement of career growth with the demands of parenthood. As they welcome their first child into the world, they find themselves juggling multiple responsibilities—managing newborn care, adapting to new work environments, and consolidating old accounts.

As part of their plan, we: 

• Consolidated and streamlined their various accounts, providing a clear overview of assets, debts, and investments.
• Reviewed existing insurance policies and identified gaps in coverage, ensuring adequate protection for the growing family.
• Discussed their financial goals and risk tolerance to design an investment portfolio aligned with their aspirations and time horizon.
• Initiated discussions about estate planning, including the creation of wills and guardianship arrangements for their children.
• Anticipated potential career changes or opportunities for advancement, aligning their financial plan with future uncertainties. 
• Ensured the proper documentation of important legal and financial information for easy access in times of need.

Carol and Harold both come from a prudent, middle-class background and worked at the executive level for most of their careers – Harold in the start-up tech industry and Carol at Lockheed Martin. They had been taught how to save by their parents, but even that training didn’t quench the nervousness and anxiety they felt being on the doorstep of retirement. While they didn’t have too much time to make any adjustments, they were able to implement a plan that eased their concerns and paved the wave for an enjoyable retirement. 

As part of their plan, we: 

• Changed their retirement savings strategy so they had a more tax-balanced portfolio in retirement. 
• Reviewed their current insurance coverage so they understood how to transition into retirement without leaving gaps in coverage or incurring significantly higher premiums. 
• Examined their current spending to understand what lifestyle their assets would support. 
• Explored how they would want to work in “encore careers” and how to balance this with having more free time to explore their passions. 
• Discussed the approaches they could take with their investments given the fact they may not need all the money, and how they may want to manage these funds. 
• Made a “bucket-list” of things they wanted to achieve in retirement and understood if they could afford all those things. 
• Discussed potential changes to their estate plan and account titling, as they wanted to gift some of their money to charity and grandchildren. 

Dionne and Ron have been retired for three years. As they retired, they sought out help from Suko Financial Group to design a retirement income, which involved a concentrated stock position. They were relocating across the country, starting a new life and excited for the changes ahead of them. They have heirs so legacy is important and they are also looking to maximize the amount of money they can spend on themselves while keeping their tax bill as low as possible. Due to a diagnoses Dionne received, their focus is on highly enjoyable experiences now before it becomes too late.

As part of their plan, we:  

• Understood what fun things they had accomplished and what they meant to them. We planned out the next five years and understood how much money was needed for the experiences.
• Designed an ongoing income plan with their  accountant, that could be adjusted each year to sell the concentrated stock and minimizing the tax owed each year.
• Reviewed their investments and aligned them to the realization that they will have more than enough money to live comfortably. 
• Explored how they could be helping others with their wealth and how much joy that would bring both of them and others.