How Long Do I Need To Work?

Partnering with executives to optimize the value of their equity compensation and reach retirement sooner using my proprietary SustainedLifestyle™ Approach.

Capital Endurance Group

Wealth Management Services | Wealth Management | Fee-Only Financial Planning | Financial Advisor | Retirement Planning

“How long do I need to work?”

Have you ever asked yourself this question?

If you’re like my clients (executives in their 40s and 50s working in Technology and the Life Sciences) … then this question has crossed your mind at some point.

Maybe more than once…

What is your timeframe to reach retirement today? 

5 years?

10 years?

15 years?

TBD years??

Regardless of the time, you want to get there sooner. The reality is you don’t hate your job…in fact you LIKE working.

But you want to be able to wake up every morning and say: “I get to do what I want…and not run out of money doing it”.

Can you know with certainty the day and time you can finally retire?

The answer is Yes. And for some of you that day may be closer than you think.

The MAJOR roadblocks that stand between executives and their ‘retirement date’ are:

Expert portfolio management

Monitoring the constant changes to taxes & investment rules

All the headaches surrounding equity compensation plans: when to exercise stock options, when to sell RSUs, deferred compensation decisions…

Do you have the time to sort through all these intangibles to find your “retirement number”?

Or…would you prefer an expert do this for you?

If you choose the latter, then I would like to introduce you to my Sustained Lifestyle Approach™.

This is a proprietary 4 Phase approach I have used with countless executives to reach their retirement date sooner:

1 Priority Selection: We determine what your desired retirement date is based on the priorities you have and the lifestyle you want to achieve.

2 Risk Capacity: We take your perception of your ability to stomach volatility and together discover your actual tolerance for risk.

3 Cashflow Construction: Based on our discovery sessions together we develop an integrated plan that addresses these key areas:

-executive compensation maximization

-optimization of tax efficient savings opportunities

-tax and estate planning

-asset allocation

-exposure to the 3 excess return drivers in equity markets

-optimal fund/product selection

-asset location

4 Prime Positioning: When this approach is executed correctly, it allows us to properly position your portfolio to buy low during times of extreme fear (bear markets) and sell high during periods of excessive optimism (bull markets), which is superior to both the Buy & Hold approach as well as the Fly-By-The-Seat-of-Your-Pants approach (most people!).

If you’re an executive who wants to know for certain when they can retire – and if you can do it sooner – then feel free to leave me a note so we can find some time to talk.