Life Is Full. Your Financial Plan Should Be Too.
Are you balancing career growth, family life, and long-term goals—yet struggling to find time to focus on your finances?
If that sounds familiar, you’re not alone. Many of our clients in their 30s and 40s find themselves in this “prime time” stage of life: full of energy, commitments, and decisions. You may be wondering…
- How do I balance my short- and long-term goals?
- Have I done all the right things to protect my family?
- How should we start saving for our kids’ education?
- Can we afford to upgrade our home?
- What makes more sense: Roth or Traditional savings?
- Are we investing wisely — or just winging it?
- Taxes always seem like a black box to me. What should I be doing differently?
- What am I missing?
Ultimately, you probably just want to know, “Am I on track?”
It’s Time to Finally Feel Confident in the Future
At APC, we’ve been answering questions just like these for clients just like you for over 50 years.
We provide our observations, recommendations and advice in all of the following topics:
Case Study: Meet the Allreds
Amy and Kent are in the thick of it. At 36 and 38, they’re raising two kids while navigating the demands of career and home life. Amy runs her own bookkeeping business, giving her flexibility but also adding pressure to handle financial decisions. Kent works as a regional manager for a home improvement chain and is steadily climbing the ladder.
They’re making good money, but like many in their stage of life, they have more questions than answers.
The APC Way: Clarity for Today, Confidence for Tomorrow
Insurance Checkups and College Planning
Amy was unsure if they had adequate life and disability insurance. She also wanted to begin saving for college but didn’t know where to start.
We helped the Allreds evaluate their insurance needs with an independent advisor and established 529 College Savings Plans, targeting age-based investments appropriate for Faith and KJ. Our projections showed they were on track to cover much of a four-year state university’s tuition.
Housing Decisions with Long-Term Perspective
After six years in their current home, the Allreds were debating whether to renovate or relocate.
We provided financial models comparing mortgage options, home equity, and the impact of moving versus staying put—so they could make a confident choice with eyes wide open.
Retirement Prep, Even When It Feels Far Off
Amy and Kent wanted to make sure they weren’t falling behind. Kent was only contributing up to the company match in his 401(k), and Amy hadn’t yet started a formal retirement plan.
We recommended Kent increase his 401(k) contribution to 10% and helped Amy open a SEP IRA. We also reviewed Kent’s stock options to ensure they were working toward long-term goals.
Making the Most of a Windfall
An unexpected $450,000 inheritance left them uncertain. It was sitting in a savings account, untouched and unplanned.
We helped them segment the funds: part for a future home, the rest invested using a dollar-cost-averaging approach to reduce market timing risk. Now, their investments are guided by research, diversification, and ongoing review—not guesswork.
Are you looking for the same peace of mind the Allreds found? If so, fill out the form below to connect with APC.
We’d love to hear from you!