From pottery studio to a real retirement plan

Where they started

Ruth came to us with good habits but no shared picture of the future. Accounts were scattered across old employers, cash was piling up, and every big decision felt like a guess.

What we changed

We consolidated accounts, set a single savings rate tied to clear goals, and built a tax plan that coordinated contributions, conversions and giving. Every recommendation came with the trade-offs in plain English.

The result

58 target retirement age, down from 67. More importantly, a calm, shared sense of where the money is going and why. Names and details changed to protect client privacy; results are not a guarantee of future outcomes.