Starting Strong: Building a Confident Financial Foundation for Taylor Jensen
Current State of Finances
Taylor Jensen is a 32-year-old single professional earning just over $300,000 a year as a senior engineer at a growing tech company. She’s smart, driven, and fully capable of managing her own finances—but as her income increased over the past few years, she started feeling less sure about whether she was “doing it right.”
Her finances are relatively straightforward:
- A 401(k)
- A taxable brokerage account
- A high-yield savings account
- A recently purchased home with a mortgage
Taylor has clear goals: staying on top of her savings, understanding how her mortgage fits into her long-term plan, and making smart decisions now to maximize her financial growth in the years ahead. She’s also thinking about future flexibility—whether that means extended travel, taking time off to explore new opportunities, or even working toward early retirement down the road.
She came to us not because her situation was complex, but because she wanted to make confident, intentional decisions to grow her wealth with purpose.
Financial Advisor Insights: What are we thinking about?
Clarity Over Complexity
Taylor’s financial life is relatively simple, but she wants to be intentional about how it grows. We start by organizing her full financial picture—consolidating accounts, reviewing her savings rate, and walking through a retirement simulation based on her current trajectory. With that clarity, we help her see where she stands today and what’s possible in the years ahead.
Foundational Planning
Taylor already had strong financial habits, so our role was to optimize the plan around her current lifestyle. We reviewed her cash flow to confirm that her savings rate was sustainable alongside her mortgage and living expenses. We also helped her refine the balance between pre-tax, Roth, and taxable savings to build in long-term tax efficiency—giving her flexibility in how she accesses funds down the road.
We simplified her portfolio to align with her time horizon and risk tolerance, making it easier to manage while keeping her on track for long-term growth.
Organizing for the Future
Though estate planning needs were minimal at this stage, we helped Taylor get key documents in place: updated beneficiaries, a basic will, and a healthcare proxy—simple but important steps that many high-earning professionals overlook.
We also reviewed her insurance coverage to help protect the foundation she’s building. That included evaluating disability coverage through her employer, confirming that life insurance needs were minimal, and recommending an umbrella liability policy to guard against unexpected risks as her net worth grows.
Just as important, we delivered a clean, comprehensive financial plan with clear next steps and a roadmap she can revisit over time. With that structure in place, Taylor has the clarity to make smart choices now—and the flexibility to adapt as her life evolves.
What’s Next?
We provide financial planning and advice. All new client relationships begin with a comprehensive initial plan. Fill out our online form below to receive a complimentary personalized proposal within two to three business days.