Will I Have Enough Money?

The following hypothetical Success Story is representative. All clients are fictional and the story is used to illustrate the types of services Sailer Financial provides.


Many of our clients first started with Sailer Financial a little later in life as they became concerned about funding retirement or their children’s education.

Bob and Mary might start with us in their late forties. At the time, they are maximizing the annual savings to Bob’s 401(k) and setting aside money in an online savings account for their children’s education. They have two girls, ages 16 and 14, who are quickly approaching college. Like many people seeking a financial planner, they are very concerned about rising college tuition costs, as well as rising health care costs for retirees. Bob and Mary had differing opinions in prioritizing their goals, and both are unsure they can simultaneously manage saving for retirement and paying for college.

The Sailer Financial Approach

Through our discussions with our clients, we are able to improve communication between everyone involved in the decision making process. More importantly, each individual often gains a clear understanding of why his or her spouse prioritizes certain goals ahead of others.

We will put together a comprehensive retirement and education plan for our clients that outlines a disciplined savings plan using a range of tax-sensitive investment strategies. By identifying potential income gaps well in advance, we are able to agree upon contingency plans for funding their goals. Throughout our relationship we monitor our progress with the Sailer Financial Goal Tracker™ and make ‘course corrections’ as needed.

Benefits of Working with Sailer Financial

By altering their saving patterns and more effectively managing the after-tax returns of their investment choices, Bob and Mary will likely see immediate results in the accumulation of their nest egg and education funds. Through the financial projections and Sailer Financial Goal Tracker™, Bob and Mary continually see how small changes in their behavior today can have a significant impact in the decades to come. This constant reminder provides  incentive to remain more disciplined and strategic in their savings. Today, they are more confident that they will be able to transition into retirement – and to do so on their terms.

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