PROFESSIONALS & FAMILIES
Your Career, Family, and Financial Life Should Not Operate as Separate Plans.
You may be balancing a demanding career, children, college costs, taxes, investments, insurance, and the desire for greater control of your time. OnePlan™ helps coordinate those decisions so you can understand where you stand and what needs to happen next.
You May Be Doing Well Financially - and Still Feel Unsure About the Future.
You have worked hard, earned a strong income, and made responsible financial decisions. You may already have investment accounts, insurance, retirement benefits, estate documents, and advice from several professionals.
But important questions may still be unanswered:
- How much will our preferred lifestyle actually cost?
- Can one of us reduce work or leave a demanding career?
- How much can we responsibly contribute toward college?
- Are we taking more investment risk than we realize?
- Are our tax, insurance, estate, and investment decisions working together?
- What should we change first?
The issue is often not a lack of financial products. It is the absence of one coordinated strategy.
Separate Advice Can Create Unintended Tradeoffs.
An investment decision can affect taxes. College funding can affect cash flow and financial independence. A career change can affect healthcare, benefits, savings, and insurance. Estate documents may not match current ownership or beneficiary decisions.
Each recommendation may appear reasonable by itself. The problem is that no one may be evaluating the combined effect.
OnePlan™ brings these decisions into one view so recommendations can be considered in context.
Questions We Help Professionals and Families Work Through
What monthly paycheck would support the life we want?
When might work become optional?
Could one spouse reduce hours before the other?
How much college assistance can we provide responsibly?
How should we coordinate taxable, retirement, and other accounts?
What risks could interrupt the strategy?
How will inflation and healthcare affect future spending?
Which financial decisions should happen first?
How do we keep the strategy current as life changes?
One Place to Evaluate the Full Financial Picture
The exact planning work depends on your circumstances, but OnePlan™ may coordinate:
Lifestyle and cash-flow planning
Investments and asset allocation
Asset location
Tax-aware planning
Retirement benefits
Insurance and income protection
Estate-planning coordination
College funding
Healthcare considerations
Career transitions
Work-optional income
Implementation & reviews
Mergent Advisors does not replace your attorney or tax professional. We help organize the financial decisions and coordinate with the professionals responsible for legal and tax advice.
The OnePlan™ Roadmap
1
Readiness Snapshot
- Lifestyle Paycheck: Define what the preferred lifestyle may require.
- Current Position: Organize income, savings, investments, benefits, debt, insurance, and other resources.
- Readiness Gap: Identify the distance between the current position and the desired future.
2
Work-Optional Strategy
- Income Design: Coordinate potential future income sources.
- Risk Protection: Evaluate market, inflation, tax, healthcare, longevity, and family risks.
- Work-Optional Date: Project a realistic transition date using current information and assumptions.
3
Confident Transition
- Priority Moves: Identify the changes most likely to improve the plan first.
- Transition Plan: Coordinate the financial and career decisions required for implementation.
- Progress Review: Update the strategy as life, markets, costs, and priorities change.
The Goal Is Not Simply to Reach a Retirement Number.
The goal is to understand how your resources may eventually create a dependable and flexible lifestyle paycheck without requiring you to continue working at the same pace.
For some clients, work optional means leaving a demanding career. For others, it means reducing hours, consulting, changing fields, starting a business, or continuing to work because they enjoy it rather than because they need the paycheck.
The planning should support the life—not dictate it.
This Planning Relationship May Be a Strong Fit If You:
- Have several financial areas that need to be coordinated
- Are approaching a career, college, family, or lifestyle transition
- Want more than investment management
- Value direct access to experienced CFP® professionals
- Want both spouses or partners involved
- Prefer realistic assumptions over promises
- Want help implementing and reviewing the strategy
May Not Be a Fit
Mergent Advisors may not be the best fit for someone seeking only a stock recommendation, a one-time transaction, or a guaranteed financial outcome.
Bring the Decisions Together Before Making the Next One.
Tell us what is changing, what you are trying to decide, and where the current plan feels disconnected. We will help identify the most appropriate starting point.
Mergent Advisors provides comprehensive, coordinated financial planning and wealth management for professionals, business owners, and their families.
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Contact
[email protected]
1-866-509-8866
Dallas TX:
7701 Lemmon Ave
Dallas TX 75209
Stillwater MN:
310 1/2 Main St S
Stillwater MN 55082
Mergent Advisors, LLC provides financial education, planning support, and insurance-related services. Investment-adviser referral and promotional services are offered through Mergent Wealth, LLC, a Texas-registered investment adviser that does not manage portfolios or exercise investment discretion. Mergent Wealth may receive referral compensation, and Mergent Advisors owns a 4% minority interest in Mergent Wealth, creating financial incentives and potential conflicts of interest. Insurance professionals may also receive commissions. Investing involves risk, including possible loss of principal. Registration does not imply a particular level of skill or training. Please review our Important Disclosures and Mergent Wealth’s Form ADV.
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