TimeWise Financial | Our Services in Woodstock, GA and Aurora, CO

Corporate Employees and Executives

You've Worked Hard to Secure your Future. Let's Maximize Your Savings.

Working in corporate can be filled with numerous ups and downs. Your company conditions you to reach their goals, but what about your own? It is important to define your financial goals and create an organized transition or exit strategy before an anticipated retirement date or other unexpected events. A financial plan can help you minimize preventable mistakes to reap the maximum value from your company.

Retirement Accounts

Your company looks out for itself, you must do the same. We can help manage your retirement accounts after a layoff or retirement in pursuit of all your lifestyle and financial goals.
We manage a variety of account types: 401(k), 403(b), 457(b), Simple IRAs (Savings Incentive Match Plan for Employees), SEP IRAs (Simplified Employee Pension).
Our financial advisors can recommend suitable investment options based on the your risk tolerance, time horizon, and financial goals.

Pensions

Corporations typically have resources but you may be able to more effectively navigate your pension benefits with your own financial advisor.
We are familiar with the complexity of pension plans as they can offer different rules and terms regarding: vesting schedule, payout options, and early retirement options.
With an analysis of your desired lifestyle, expenses, estate plan and other financial goals we can help determine the best use of your pension to help you live life on your terms.

Equity Compensation

Help you understand types of non-cash compensation: stock options, RSUs, and performance shares; define the terms, and assess the potential value based on when you want to retire.
Advise on when you should exercise and how long you should hold. Depending on the company's performance, and your personal situation and goals, we can create a financial plan to try to make the most of your salary.
We can advise you on appropriate selling strategies based on minimizing tax burden and market conditions.

Deferred Compensation

We can clarify the specific terms and conditions of your deferred compensation plan, including the types of compensation eligible for deferral, vesting schedules, distribution options, and any potential risks associated.
Determine how much income you should defer and your most appropriate distribution strategies. We consider your tax bracket, desired retirement income and estate plan to help you make better decisions.
Our team can address changes in your circumstances or plan at anytime.

Tax Optimization

Our team employs different strategies to minimize your tax burden. Tax loss harvesting, tax efficient investing, trusts, and strategic charitable giving are just a few of the tools we utilize.

We also carefully consider your retirement plan, including optimizing contributions and withdrawals from tax-advantaged accounts like 401(k)s and IRAs, and explore opportunities for Roth conversions. Furthermore, we stay up-to-date on ever-changing tax laws and regulations to deploy the most current tax-minimization strategies.

Layoffs

Like many, your company's benefits make up a significant part of the money you are saving for retirement. That is why the decisions you make as you near the end of your career, whether planned or otherwise, can significantly impact your long-term goals. We've worked with employee benefit packages of some of the biggest companies in the world - let us clarify your options.

Being laid off feels traumatic but with the right planning, you can forge a path forward.

Retirement Cash Flow

We offer ongoing service after we deliver your financial plan. Your plan will evolve as your life and goals change over time. Through our 365 plan monitoring and bi-annual meetings, we continuously search for new planning opportunities based on your life stage, any life changes, or changes in markets, the economy, tax laws and financial strategies.

Start with a 15-Minute Get to Know You Call with Your Best-Fit Advisor

Your best-fit advisor is Caroline Piehl, CFP®. Because of her experience working for Fortune 500 companies like Nike and The North Face, she understands the significance your income has on your family. She looks forward to helping you prepare for unexpected events like layoffs, expected events like retirement and everything in between.

Learn more about Caroline