We completed a comprehensive review of Caroline’s finances. We created financial statements to assess her monthly income versus her expenses (known as an income statement) and evaluate her current net worth. We made sure Caroline “paid herself first,” meaning how much she was saving was not simply what was leftover after expenses. Instead, savings would be put aside first, and the excess became the basis for her monthly spending plan.

We continue to be Caroline’s sounding board on all things career and financial. When she was looking for a new car, we helped evaluate and recommended auto financing options. When she had a question about her taxes, we recommended an accountant. We look forward to providing those services and more as Caroline continues to advance in her career and in life.

We made sure Caroline was making the right decisions with her 401(k), putting the right amount aside and investing it properly. Additionally, we educated Caroline on the power of utilizing an HSA and reviewed other employer benefits.

We spoke with Caroline about her plans for homeownership. Together, we made a savings and investment plan so she would have a down payment available in two to three years, right when she’s ready to buy.

We were able to talk Caroline through the pros and cons of a job offer she received from a competing firm. Our team offered advice on goal setting and helped Caroline prepare for her annual review. 

We reviewed Caroline’s student debt. With her new higher income, Caroline was able to refinance at very favorable terms. Her new loan allows her to realize significant savings by paying it off more quickly and at a lower interest rate.