NEXT-GENERATION PROFESSIONALS

At IEM, we are committed to supporting the financial ambitions of next-generation professionals. Achieving personal financial freedom and success requires meticulous financial planning, just as a successful company thrives on a robust strategy. Whether you're trying to juggle student loans, retirement plans, housing, stock options, or major life events, you might wonder how to distribute your funds wisely and determine the optimal timeline for transitioning from a high-stress, rewarding job to your dream career. At IEM, our knowledgeable team helps craft customized wealth management plans that harmonize immediate needs with long-term goals.

Through our comprehensive process, we offer guidance on several fronts, including:

  • Cash Flow Planning

  • Navigating Major Life Events (such as family planning, marriage, divorce, or loss)

  • Handling Education Debt

  • Analyzing Employer Benefit Plans

  • Creating and Refining Qualified Retirement Plan Strategies (including employer-sponsored plans and Health Savings Accounts rebalancing/recommendations)

  • Tax Planning

  • Charitable Giving

MEET MICHAEL & SARAH

Michael and Sarah are a couple in their early 30s. Michael is an attorney and shareholder at a law firm while Sarah is a Registered Nurse. Referred by friends, they sought IEM’s assistance to combine their finances post-marriage and manage their growing professional incomes. We first helped them establish a unified financial philosophy and set up appropriate benefits and retirement plans at their workplaces. As they advanced in their careers and their incomes grew, we devised plans to allocate their cash flow wisely, save for a family home, and prepare for their future children's educational needs. Amid changing financial landscapes and new cash flow constraints, we continuously tailored their roadmap, keeping tax planning in mind and ensuring they stayed on track for retirement and education goals.

*The above is a hypothetical case study and is for illustrative purposes only. Actual performance and results will vary. These studies do not represent actual clients but a hypothetical composite of various client experiences and issues. These case studies do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed, and a financial advisor should be consulted.

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