Lia's Catch-Up Retirement Planning Journey

Catch-Up Planning for Late Starters with Big Lives: Lia’s Intentional Journey

Some people talk about work-life balance. Others live the imbalance for the sake of those they love.

Lia did everything right for everyone else. Now it was time to do something right for herself.

Her career thrived. Her family leaned on her. But her financial runway felt shorter than it should. The advice she was hearing? Too simple. Too generic. Too late.

Lia’s Situation

Profile:

• 47 years old, physician and academic leader

• Primary caregiver for aging mother

• High income, irregular savings history

• Owns a home with a remaining mortgage

• No clear retirement plan in place

Between her demanding career, caregiving responsibilities, and life’s curveballs, retirement planning had taken a backseat. Lia wanted a plan that actually worked for her life.

Financial Goals

• Catch up on retirement savings efficiently

• Build investments aligned with her career stage and income

• Protect herself while continuing to care for others

• Know when and how she can retire

• Reduce overwhelm and gain confidence

How We Helped

We turned chaos into a clear path forward:

• Retirement Projections: Modeled Lia’s trajectory and outlined the exact actions to close the gap

• Investment Restructuring: Optimized for tax-efficiency, growth, and accessibility

• Catch-Up Contributions: Leveraged workplace retirement plans (403(b), 457(b)) and supplemental Roth IRAs

• Caregiving Protection Plan: Included long-term care and asset protection for her mother and herself

• Simplified Financial Life: Consolidated accounts and introduced tech to reduce stress

• 10-Year Transition Plan: Milestones for scaling back work on her terms

Financial Planning Services Provided:

Retirement Catch-Up & Income Modeling | Investment Planning for Late Starters | Benefits Review & Maximization | Family Support & Caregiving Strategies | Estate & Long-Term Care Planning | Simplified Wealth Management Systems

The Transformation

With a tailored plan, Lia:

• Closed the gap on her retirement savings

• Reduced financial overwhelm and decision fatigue

• Built a clear path to scale back work without uncertainty

• Balanced caregiving responsibilities with personal financial security

She wasn’t just catching up. She was creating intentional wealth for herself and her family.

Why It Matters

You’ve been told to wait. That you’re “doing fine.” But fine isn’t a plan.

• You Don’t Have to Choose Between Yourself and Your Family – Strategy supports both responsibilities and your right to a future.

• Clarity Replaces Overwhelm – A roadmap that works with your life, not just a spreadsheet.

• Build Wealth with Intention, Not Urgency – Smart allocation, accelerated contributions, and tax strategies for busy high-earners.

• Protect What Matters, Including You – After years of caring for others, ensure someone is caring for your security and peace of mind.

Let’s Build a Plan That Honors Your Career and Supports Your Caregiving

We specialize in helping accomplished professionals who’ve prioritized everyone but themselves and are ready to make a change.

No fluff. No shame. No generic advice. Just grounded strategy that leaves you seen, heard, and prepared.