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Just Getting Started

A young couple came to HCM shortly after the birth of their first child. The grandparents had just started a college fund, and that got the young couple thinking about planning for not only their future, but their children's as well.

The couple had started saving through their company 401(k) plans and IRAs; however, with the new addition to their family, they realized their savings strategy needed an "adjustment."

Together, we discussed their life's dreams and put together a financial road map to keep them heading in the right direction through the many challenges that will undoubtedly come their way as they raise their family and build their own financial independence. 

They now have three children, each with an education fund. They have an emergency fund, and they each contribute to retirement plans at work. They are putting enough additional savings aside to allow for an early retirement, if that is something they want when the time comes.

We review the status of their plans every year and make mid-course corrections when necessary.

Now they have a financial plan in place to take care of their responsibilities and give them financial freedom later in life. Contact HCM at 513.598.5120 to get your plan for financial independence plan on track!

This scenario is intended to illustrate services available at HCM and is not intended to be a testimonial or endorsement and is not intended to necessarily represent the experiences of other clients.