Experiencing a Major Life Change
Chart a Path Forward
Change Can Feel Overwhelming
Navigating change can be challenging especially when faced with making decisions that impact your future. When you partner with HTG, you can draw upon our extensive experience and expertise to make informed choices on the best path forward.
Inheritance
Job Transition
Divorced or Widowed
Diminished Capacity
Achieve Clarity and Direction with a Financial Partner
Gain Insight and Get Organized
Change can be emotionally challenging. First, we listen to your story to learn how to support you during your transition and to better understand the opportunities and risks you face. This includes gathering and organizing pertinent financial and non-financial information and exploring how your goals and priorities may be impacted. Our goal is help you achieve the best possible outcome.
We help by:
- Organizing pertinent information and accounts
- Identifying priorities and goals
- Being an impartial sounding board
Strategize and Plan
Through our comprehensive financial planning process, we analyze, quantify, and forecast the short-term and long-term impacts of your life change. Anticipating and evaluating the tradeoffs of different paths leads to informed choices.
Additionally, we will assess your time horizon, risk tolerance and investment experience to develop an investment strategy that aligns with your needs.
We help by:
- Providing a vision of your financial future
- Evaluating tradeoffs of different paths
- Aligning an investment strategy with your
chosen path
Implement and Monitor
Navigating a transition requires a well-planned course of action and follow through. We'll guide you through your plan implementation, monitor your progress and adjust as needed, so that you achieve your short-term and long-term objectives.
Our commitment to you is ongoing. We will stay in touch regularly to incorporate new changes in your life and reevaluate your financial plan as needed.
We help by:
- Focusing your priorities
- Implementing your plan
- Monitoring progress
- Keeping you on track
START TODAY!
Get the Guidance You Need to Move Forward
Help is a phone call away. Schedule an introductory call to discover how HTG can support you and alleviate the stress of your changing circumstances.
Success Stories
Executive with a New Job
Judy never expected to be asked to head up the Key Initiatives Division– a great opportunity that came with many new financial issues to consider. The transition would require a move from Texas to California – how would that impact the family and their finances? The compensation increase would be primarily deferred compensation, including stock options – but she already had most of their wealth concentrated in the firm’s equity. “How much is too much?” she wondered. Judy realized that this transition was both exciting and filled with uncertainty.
Life After Divorce
Janine and her husband used a mediator to divorce after 25 years of marriage. They have two children who were 20 and 17 years old. While Janine had always been responsible for the household budget, she had yet to make time to understand the family's complete financial picture. The sudden realization of the decisions ahead led her to engage HTG. Seeking assistance while negotiations were in process allowed Janine to better understand her choices and set herself up for a successful transition to independence.
New Widow
Mia lost her husband Edward suddenly and was thrust into making decisions about his estate which were interlaced with her current and future needs. Edward’s estate was approximately $5 million and together they had over $9 million in assets. She was unclear how her income would change with Edward’s death and, at age 76, unsure what she would need for her lifetime. Mia had the opportunity to disclaim some assets and wanted to understand how much she could afford. She came to HTG to understand her new financial...
Diminished Capacity
John and Ellen had always independently managed their finances. Now that they were approaching age 80 and Ellen had recently started to experience early signs of dementia, the couple approached HTG for help planning for future care expenses and managing their assets. They wanted Ellen to remain in their home as long as possible. They planned to eventually move to a continuing care facility where John could live in an independent apartment and visit Ellen daily within the community.
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Our Services
An integrated planning and investment approach with you at
the center.
