Meet David & Lisa: In their late 50s, David and Lisa had just sent their youngest off to college. With the kids grown, they suddenly had more freedom- and a realization that their finances need a tune-up. They had multiple investment accounts, a couple of outdated insurance policies, and an estate plan that hadn’t been revisited in years. They were also thinking about future grandchildren and the causes they care about. In short, with their mortgage nearly paid off and retirement on the horizon, it was time to simplify and focus on legacy. They wondered: How do we make sure our money goes where we want- to family and charity, without complicating our own retirement?

For clients like David and Lisa- often called ‘empty nesters’ or legacy builders- we provided a holistic refresh:

• Streamlined their finances, consolidated multiple investment accounts to reduce clutter and simplify management.
• Updated estate documents- We worked with their estate attorney to update wills and trusts that reflected their current wishes (including provisions for future grandkids).
• Charitable giving strategies- We explored ways to support causes they care about, introducing donor-advised funds as a flexible option for charitable giving.
• Insurance review- We reviewed their old life insurance policies and assessed long-term care insurance options to protect their assets as they age.
• Tax-efficient coordination- We coordinated with their CPA to ensure their gifting and estate plans were tax-efficient, and set up regular check-ins to adjust the plan as laws or their situation changed.

David and Lisa now have a clean, organized financial picture, clarity about their estate and legacy plans, and even a charitable giving plan that reflects their values. With unnecessary accounts closed and documents updated, they feel confident and excited about the next chapter. They can enjoy their empty -nest years knowing their finances are simplified and their legacy is on track to care for the people and causes they love.