Case Study - Lia
Catch-Up Planning for Late Starters with Big Lives: Lia’s Journey to Intentional Wealth
Some people talk about work-life balance. Others live the imbalance—for the sake of those they love.
You’ve done everything right for everyone else. Now it’s time to do something right for you.
Whether you’re a physician, professor, or executive juggling aging parents and adult children, the financial runway can feel shorter than it should. And the advice you’re getting? Too simple. Too generic. Too late.
Lia's Situation
Lia is 47, a highly respected doctor and practice lead at a major regional medical center. She’s also the primary caregiver for her aging mother and a go-to support system for her extended family.
Despite a six-figure salary and years of professional achievement, Lia has not had the time—or energy—to prioritize her own financial future. Between her demanding career, caretaking responsibilities, and life’s curveballs, retirement planning took a backseat.
Lia – Medical Leader & Family Caregiver
47 years old
Physician, academic leader, and caregiver
High income, irregular savings history
Owns a home with remaining mortgage
Supports her mother financially and emotionally
No clear retirement plan in place
Financial Goals
Catch up on retirement savings efficiently
Build investment strategies aligned with her career stage and income
Structure wealth to protect herself while continuing to care for others
Understand when she can retire—and what it will take to get there
Reduce financial overwhelm and gain confidence in her decisions
How We Helped
Ran detailed retirement projections to show Lia her current trajectory and the specific actions needed to close the gap.
Restructured her investment portfolio, optimizing for tax-efficiency, growth, and accessibility based on her timeline.
Established catch-up contributions across workplace retirement plans (403(b), 457(b)) and opened a supplemental Roth IRA strategy to add flexibility.
Implemented a caregiving protection plan, including long-term care options and asset protection measures for her mother and herself.
Simplified her financial life, consolidating accounts and introducing technology to help her stay on top of her plan without stress.
Built a 10-year transition plan to help her scale back work on her terms—with clear milestones, not just hope.
Financial Planning Services Provided
Retirement Catch-Up & Income Modeling
Investment Planning for Late Starters
Benefits Review and Maximization
Family Support & Caregiving Strategies
Estate and Long-Term Care Planning
Simplified Wealth Management Systems
Sound Like You?
Why Women Like Lia Deserve More Than “You’ve Got Time”
You’ve been told to wait, that you’re “doing fine.” But fine isn’t a plan. And you’re too smart—and too accomplished—to wing the next chapter.
1. You Don’t Have to Choose Between Yourself and Your Family
We help you design a financial strategy that supports both your responsibilities and your right to a future.
2. Clarity Replaces Overwhelm
You’re juggling more than most. We reduce decision fatigue by giving you a roadmap that works with your life—not just a spreadsheet.
3. Build Wealth with Intention, Not Urgency
We make catch-up planning doable. That means smart allocation, accelerated contributions, and tax strategies designed for busy high-earners.
4. Protect What Matters—Including You
You’ve spent decades looking after others. It’s time to make sure someone’s looking after your security and peace of mind.
Let’s Build a Plan That Honors Your Career and Supports Your Caregiving
We specialize in working with accomplished professionals who’ve prioritized everyone but themselves—and are ready to make a change.
We don’t believe in fluff, shame, or generic advice. Just grounded strategy that helps you feel seen, heard, and prepared.