Meet Tyler, a Mesa-based graphic designer and small business owner. He had $41,300 spread across an old 401(k), a savings account earning 0.01% interest, and a Roth IRA he hadn’t contributed to in 18 months. His “plan” was to save when he could, but he had no real targets or timeline.
Here’s how we helped Tyler take control of his financial future:
Clarified short- and long-term financial goals
We worked with Tyler to outline goals, including purchasing a home in 3–5 years and semi-retirement by 55. These became the foundation for his investment roadmap.
Consolidated accounts and rebuilt a balanced portfolio
We rolled his old 401(k) and underperforming Roth IRA into a single, low-cost, tax-efficient investment account. His funds were reallocated based on a moderate-aggressive strategy tailored to his age and risk profile.
Set up automated contributions
We created a monthly contribution schedule of $750/month, adjusting for slower business months, with catch-up options for high-income quarters.
Integrated tax planning into every move
Working with our CPA team, we reduced Tyler’s 2024 projected tax liability by $4,190 through strategic investment timing and business expense adjustments.
Built a real-time tracking system
Tyler now monitors performance, savings goals, and net worth through a secure dashboard—with quarterly check-ins to stay accountable and adjust as needed.
The outcome?
- Grew his investment account to $56,900 within 14 months
- Started a SEP IRA with $5,800 in annual contributions
- Has a down payment fund on track to hit $40,000 in two years
“I used to avoid looking at my money because it made me anxious. Now I know where everything’s going—and why it matters.”
— Tyler B., Mesa Business Owner