MID-40’s. YOUNG CHILDREN.  PLANNING THEIR RETIREMENT AND THEIR KIDS’ EDUCATION.   

Both Peter and Lucy have demanding careers—or used to.  Peter recently sold the software business he started ten years ago, while Lucy continues to maintain a frenetic pace as a litigator for a large law firm.  As such, they waited until their mid-40s to embrace parenthood and are now the proud parents of 3-year old twins.

Their main priority is providing for their children.  They realize they’ll be in their sixties before the twins finish college – nearly 70, if the kids move on to grad school.  Peter is semi-retired (he does some consulting) and Lucy hopes to retire in the next ten years.  They need to structure a plan that will support the family’s lifestyle and insure the children’s education.

They used to manage their own money online, but after Peter netted $3 million from the sale of his company and Lucy’s compensation continued to rise, they decided they needed to bring in a professional.