Young Professionals and Families

You – and perhaps your spouse – are just beginning to think about your financial future – perhaps due to a recent milestone such as a marriage or birth of a child – and how to best plan for the future. Where do you start? How do you sort out the myriad options? And most importantly, what type of financial future do you see for yourself and your loved ones?

FJY’s approach for young professionals and families includes several key components:

Protecting and Building Upon Your Financial Resources
The FJY team evaluates your current situation and develops a plan that will ensure a solid foundation for achieving your goals. We help you explore your options and provide you with the resources to evaluate various scenarios.

When the time comes, we also provide education planning, retirement planning and life planning. We also help to ensure that you, your family, and your business if you have one, are protected in case of a catastrophic event. This includes recommendations about life and disability insurance, property and liability insurance, and estate planning.

Developing an Investment Management Strategy
FJY gains an understanding of your attitude toward investment risk in order to identify an appropriate mix of investment assets for you. We will educate you regarding our approach to investing and tailor our advice to your particular situation. We implement the investment strategy and include management of your 401k and other retirement accounts in the portfolios we manage on an ongoing basis.

Minimizing Your Taxes
FJY manages your investment portfolio with an eye toward tax efficiency. We can also help you identify other areas of potential tax savings, such as tax-advantaged savings vehicles and tax deductions you may not be taking. We will work closely with your tax professional.

  • Typical Questions from Young Professionals and Families

    • What can I delegate to a professional?
    • Am I saving enough to achieve my goals: college, retirement, second home, new primary residence, career move/change?
    • Have I done all I need to in order to take care of my family if something catastrophic happens? (Insurance, Estate Planning, Emergency Fund, etc.)
    • Will you help me coordinate the complex financial issues we must address? Can you help get my affairs in order?
    • Can you help me develop a strategy for my finances/ investments? What 401k investments should I choose?
    • Am I doing all I can to minimize taxes: income and estate?
    • Am I taking advantage of all the benefits possible through my business/my employer?
    • Does it make sense for me to invest in a (particular) business venture?
    • What should I consider when starting/managing my own business?
    • Can I afford to care for my aging parents? How do I ensure I am doing all I can to help them?
    • Can you help me identify ways to finance specific opportunities?