Business Owners
For many owners, the business is their largest asset and primary source of income. Personal wealth, business cash flow, retirement, taxes, succession, and investment decisions therefore cannot be planned independently.
Planning may address:
- Retirement plan options and contributions
- Personal investing outside the business
- Excess business cash
- Concentration risk
- Succession and exit objectives
- Investment of sale proceeds
- Coordination with tax and legal professionals
Executives and equity-compensated professionals
Equity compensation can create overlapping decisions involving vesting, withholding, option exercises, diversification, liquidity, and taxes.
Planning may address RSUs, ISOs, NSOs, ESPPs, deferred compensation, concentrated stock, and retirement benefits.
Individuals Near Retirement
The years immediately before and after retirement often require decisions that can affect decades of future income.
Planning may include retirement readiness, Social Security, pensions, Roth conversions, Required Minimum Distributions, healthcare costs, investment risk, and withdrawal sequencing.
Planning commonly includes:
- Retirement income
- Social Security
- Pension elections
- Roth conversions
- Required Minimum Distributions
- Withdrawal strategies
- Healthcare planning
- Legacy goals
Established professionals and families
As income, investments, real estate, and family responsibilities grow, individual decisions become more interconnected.
Planning may include retirement savings, investment management, education funding, insurance review, charitable giving, estate coordination, and tax-aware investing.
Major financial transitions
Foothills Investments can help evaluate the financial implications of:
- A business sale
- Retirement
- A career change
- An inheritance
- Divorce
- The death of a spouse
- A significant liquidity event
- New or changing equity compensation
Trustees and fiduciaries
Investment advice may be provided to trusts, estates, trustees, executors, and beneficiaries. Where appropriate, planning is coordinated with attorneys, CPAs, and other professionals selected by the client.