High Earner, Not Rich Yet


You're defined as a HENRY (High Earner, Not Rich Yet) or HINT (High Income, No Time) if your family's income is at least $250,000, or if your single-person income is at least $150,000.

Friends and family see you as "rich," but it certainly doesn't always feel that way. There aren't enough hours in the day. “I'll get to it tomorrow,” you say.

Imagine if only there was a personalized plan to transform your high income into true financial freedom. Of course you're not interested in another advisor talking about "managing your assets" downtown at a mahogany desk, or robot spitting out "001001" for your asset allocation.  

The truth is you're also not as far from financial independence as you think.

Life goes fast. We believe personalized advice produces tangible value. Time. Time for your one life, and your family. Time that gives you control over how you spend your one and only life. It's time to get that advice. Now.


Did you know?

  • Accelerating your mortgage payments might cost you many thousands in taxes, let alone the opportunity cost of investing that money today. There are many more unique factors to consider.
  • Most high earners mistakenly save in a Roth IRA rather than a traditional IRA, usually due to misinformation, costing themselves possibly a lot more in taxes today.
  • Health Savings Accounts are the holy grail of tax-preference accounts. Many HENRYs misunderstand the benefits, and don't take advantage of this.
  • Losing 50% of your assets in a divorce is one of your largest risks. Setting a unique and purposeful vision for your financial future with your spouse can bring greater marital harmony. 
  • If you own real estate, you might qualify to use up to $25,000 in "passive" losses against your earned W2 income.
  • Only 2% of high school athletes get a college scholarship, and only 13% of families save for college.
  • In many cases, you CAN get money into a Roth IRA when you make more than the IRS Adjusted Gross Income limit, and you also might be able to contribute to an IRA on behalf of a non-working spouse.
  • Minimizing taxes is a multi-year planning process. Most CPAs don't, won't, or can't help with this. Most CPAs do not forecast your tax brackets over your planning horizon to take advantage of, and provide guidance over, some of the most important planning opportunities: Roth conversions, bunching contributions for charitable giving, zero percent capital gains, and many other strategies to minimize taxes (legally!).
  • "Advisors" at large financial institutions "serve" hundreds, if not thousands, of individuals. Many cannot legally provide any personalized financial recommendations: advice on taxes, outside assets, other financial products, businesses, or real estate...
  • But! It doesn't have to be this way. There are financial professionals who state, in writing, that they will do what is in your personal best interest at ALL times, who will not receive any compensation from any other party. EVER. And who will not charge you more just because you have more money.

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