Build Wealth With Intention
Financial planning for professionals who want to make confident decisions about saving, investing, taxes, and long-term financial independence.
As your career advances, financial decisions often become more complex. Compensation packages, retirement plan options, taxable investment accounts, and competing financial priorities can create uncertainty about where to focus next.
We help bring structure and clarity to your financial life through ongoing financial planning designed to align your resources with your goals and values.
Whether your objective is financial independence, greater career flexibility, an earlier retirement, or simply making more informed financial decisions, we help you develop a strategy to support your goals.
Key Elements of Planning During Your Accumulation Years
Lifestyle & Savings Alignment
The financial decisions you make today influence the opportunities available to you in the future.
We help establish a framework for saving, spending, and investing that aligns with your priorities.
Planning often includes retirement savings, education funding, major purchases, cash flow management, and coordinating financial goals between spouses or partners.
Investment Strategy
Many professionals accumulate assets across multiple accounts, including employer retirement plans, IRAs, taxable investment accounts, and equity compensation programs.
We help evaluate how these accounts work together and identify opportunities for tax-aware portfolio construction, asset location, and investment selection.
When appropriate, we may also evaluate strategies such as Mega Back Door Roth contributions, Charitable Giving & Donor Advised Funds, Stock option and RSU planning, and tax-loss harvesting.
Risk Management
We help identify potential risks that could impact your family, lifestyle, or financial goals and coordinate with insurance, tax, and legal professionals when appropriate.
Areas of review may include life insurance, disability insurance, liability protection, estate planning, and emergency reserves.
Who is Ongoing Financial Planning for?
Many of the most important financial decisions occur long before retirement.
You may asking:
Are we saving enough for retirement?
Should we prioritize my 401(k), Roth IRA, HSA, or brokerage account?
How should we handle company stock, RSUs, or stock options?
How much cash should we keep available?
What insurance coverage may be appropriate for my situation?
Am I on track for financial independence?
The choices you make regarding saving, investing, taxes, and employer benefits today can have a significant impact on future financial flexibility.
Start the Conversation
Kevin Megargel, CFA, CFP(R), MBA is a financial planner who works with retirees, professionals, and families seeking clarity and structure around long-term financial decisions.
You can use the form below to send a message or schedule a time directly using the calendar.
What to Expect
A brief introductory conversation to understand your current situation.
A discussion of your financial goals and planning priorities.
An opportunity to determine whether a deeper planning engagement would be appropriate.
