What Does Working Together Actually Look Like?

You’ve built financial momentum. We help you use it with intention.

Here are real-world client scenarios showing how we bring clarity, structure, and strategy to people earning well—but feeling stretched, uncertain, or under-optimized.

Millennial Couple Equity Compensated Professionals

🏡 Buying a New Home Without Selling the Old One (Yet)

The Situation:

A dual-income couple wanted to buy a new home but weren’t ready to sell their current one.

What We Did:

  • Used their taxable brokerage account (intentionally built over time) to fund the down payment

  • Priotitized long-term capital gains treatment and utilizing strategic tax-loss harvesting

  • Built a cash flow plan for holding both homes during the transition

  • Reviewed their safe harbor number along with a projection to stay ahead of estimated tax surprises

The Result:

They bought the home they wanted—on their timeline—without pressure or panic.

Red-haired woman smiling while standing in front of a whiteboard in a modern office or meeting space.

📈 Making Sense of Complex Equity Compensation

The Situation:

One partner had ISOs, NSOs, and RSUs with growing value—but felt overwhelmed by tax risk and what to do next.

What We Did:

  • Modeled tax scenarios using Holistiplan and custom projections

  • Built an exercise/sell strategy to manage AMT exposure and overconcentration

  • Created documentation with if/then guidance based on future grants or liquidity events

  • Coordinated planning around their upcoming bonus and 401(k) match limits

The Result:

They moved from analysis paralysis to “we’ve got a plan.”

Six adults talking around a wooden table in a cozy café setting, with snacks, drinks, and natural light from large windows.

💸 From Cash Pile to Intentional Investing

The Situation:

A couple had built up over $200K in cash and didn’t know how to invest it or what to prioritize.

What We Did:

  • Reviewed their full financial landscape—401(k)s, HSA, Roth, taxable

  • Prioritized tax-advantaged contributions and investment accounts

  • Created an automated system for investing excess cash monthly

  • Used Knudge to track implementation and follow-through

The Result:

Their cash now works for them—without constant decision fatigue.

Business team meeting in a glass-walled conference room at night, working on laptops in a collaborative setting.

🧠 Building Flexibility into a High-Income Career

The Situation:

A physician client wanted to explore cutting back—but wasn’t sure if they could afford to.

What We Did:

  • Modeled different timelines for slowing down, switching roles, or walking away

  • Integrated student loans, equity in the practice, and future child care costs

  • Helped define what “enough” looks like for them

  • Aligned their investment strategy with a more flexible life plan

The Result:

They found the clarity (and permission) to take control of their time.

This Is What Intentional Wealth Looks Like

These aren’t one-time plans. They’re evolving relationships rooted in:

  • Clarity around your values

  • Strategic use of your income, equity, and tax position

  • Long-term flexibility, not just short-term wins

Curious What We’d Find in Your Plan?

Start with a free review of your current financial picture.

👉🏼 Book the Memento Snapshot