Financial Planning for Hardworking
Individuals & Families
Whether you’re planning for retirement, navigating a significant life transition, or building wealth for future generations, we provide clear guidance tailored to hardworking individuals and families in the Toledo and Oregon, Ohio area.
Guiding Families Through
Every Financial Milestone
Guiding Families Through Every Financial Milestone
We work with individuals and families who have achieved financial success through hard work and focus. These are people who value long-term relationships and want a trustworthy partner to help them navigate the complexities of wealth management at every stage of life.
Navigate Retirement with Confidence
Life changes, and so do your financial needs. Whether you’re approaching retirement, dealing with pension rollovers, or optimizing your tax strategies, we help you make informed decisions about your financial future.
- Clear retirement income strategies
- 401(k) and pension rollover guidance
- Tax-efficient investment approaches
Grow and Protect Your Family's Assets
To build wealth, you need strategic financial planning tailored to your family’s specific situation. We help you understand your risk tolerance and develop investment strategies that align with your long-term goals.
- Personalized asset allocation strategies
- Portfolio design and construction
- Regular investment reviews and adjustments
Protect What Matters Most to You and Your Family
We coordinate with your legal and tax professionals to help structure your estate, assign beneficiaries, and develop wealth transfer strategies. Our goal is to help you preserve your family’s financial security for generations to come.
- Estate planning coordination
- Beneficiary designation reviews
- Legacy and wealth transfer strategies
Protect Your Family's Future
With Stirling Capital
Protect Your Family's Future With Stirling Capital
It’s time to make sure your financial plan is working as hard as you do. Let’s sit down and talk about how we can help turn your financial goals into reality.
Building Your Family's
Financial Blueprint
Financial planning should be straightforward and focused on what matters most to your family. Our process is designed to give you clarity, confidence, and a clear roadmap for your financial future.
STEP
1
Understanding Your Family's Financial Story
We start by listening. Every family has a unique financial journey, and we take time to understand your current situation, your goals, and what financial security means to you.
STEP
2
Creating Your Personalized Financial Blueprint
Based on our discovery conversation, we develop a customized financial strategy that addresses your specific needs. This includes retirement income planning, investment allocation recommendations, tax planning strategies, and estate planning coordination.
STEP
3
Putting Your Plan into Action
Once you’re comfortable with the strategy, we help implement your financial plan and provide ongoing support. This includes regular portfolio reviews, planning updates as your life changes, and proactive communication about opportunities or adjustments as needed.
Financial Planning Sample Scenarios
for Families & Individuals
Financial Planning Sample Scenarios for Families & Individuals
Individuals and families often face major financial transitions that require careful planning and strategic decision-making. The scenarios below represent common situations we encounter with clients as they navigate retirement planning, inheritance decisions, and significant life changes.
Empty Nesters Plan for Financial Independence
The Situation
John and Mary*, both 58, have recently become empty nesters after their youngest child graduated from college. With $850,000 in retirement savings and a paid-off home, they wanted to retire by age 62 but were unsure if their savings would last through retirement.
The Challenge
- Determining if early retirement at 62 was financially feasible
- Creating income to bridge the gap until Social Security and Medicare eligibility
- Optimizing their investment allocation for both growth and income
- Managing healthcare costs during early retirement
How We Help
- Conducted a detailed retirement income analysis showing the feasibility of retirement at 62
- Developed a systematic withdrawal strategy from retirement accounts to minimize taxes
- Restructured investment portfolio with a balanced approach for growth and income generation
- Explored healthcare options, including COBRA and marketplace plans
- Created estate planning updates to reflect their new retirement phase
*Names used in these examples are not real clients. Scenarios presented for illustrative purposes only and not based on actual events.
Family Navigates Sudden Inheritance
The Situation
The Johnson* family unexpectedly inherited $400,000 upon Sarah’s father’s passing. With three teenage children and college expenses approaching, they wanted to honor her father’s legacy while securing their family’s financial future.
The Challenge
- Deciding how to utilize the inheritance for maximum family benefit
- Balancing college funding needs with retirement planning
- Managing the emotional aspects of sudden wealth
- Optimizing the tax implications of the inheritance
How We Help
- Allocated inheritance across multiple goals: 40% for college funding, 35% for retirement acceleration, 25% for emergency fund enhancement
- Established 529 college savings plans for tax-advantaged education funding
- Increased retirement contributions to maximize tax benefits
- Created a family financial mission statement to guide future decisions
*Names used in these examples are not real clients. Scenarios presented for illustrative purposes only and not based on actual events.
