The Enrichment Group

During the accumulation phase of your lifetime, you are earning a good salary. Your career and your family or significant relationships occupy your time and attention. You need to make important decisions about employee benefits, retirement savings, education planning, home acquisitions and protecting your loved ones. The following are examples of clients during the accumulator phase of their lifetimes:

Jeff and Elizabeth are enjoying parenthood with six-month-old Terry. Elizabeth returned to work full time after a three-month maternity leave, but she would love to be able to work part time to spend more time with the baby. Elizabeth has just received a sizeable inheritance from her grandfather's trust and she would like to know if they could afford to move out of their condominium into a larger home with a yard. Jeff has a good job, but he is concerned about the financial commitment of a larger mortgage with reduced income if Elizabeth works part time. They want to know if they should use the inheritance to buy their new home, or if it should be invested to provide income now and growth after Elizabeth returns to work full time.

Marta and Jorge are successful young attorneys with two children in elementary school. They do not have a large investment portfolio, but they feel that they could save on a regular basis if they had a structured plan in place. They would like to make sure that there is adequate education funding for their children and that they are appropriately funding their retirement plans. Taxes are a big issue for them, so tax management is very important. Their only estate plan is a simple will that was drafted before the children were born, so they need to decide about guardianship of the children should the need arise, and about how to ensure continuation of a comfortable lifestyle should either of them become ill or disabled.

Mike was in the right place with the right idea at the right time. His software innovation was attractive to one of the major software vendors who purchased his company just before the dot.com bubble burst. He walked away with millions and is now working on another idea that looks very promising. He would like to be able to discuss his opportunities in light of his current tax picture. He is also looking at investment opportunities for his portfolio. He needs a pre-nuptial agreement, but doesn't know how to bring up the topic with his fiancee.

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