Watermark Financial Planning for Young Professionals

Congratulations are in order! You have made it through the arduous years of competition, studying and student debt to become a practicing professional in your community.

Now that you have been freed from the hours of study, you will be faced with the challenges of building your career. That could mean starting a business, managing a staff, and handling the expectations of a demanding client base. Add to that, you might be thinking about paying down some student debt, accumulating savings, possibly raising a family and buying a home.

There are a myriad of considerations facing the young professional. Are you employed or self-employed? Do you need a professional services company and a holding company? Is your spouse working with you in your practice? Are you working in someone else’s practice? The personal debt you have could be paid off by taking a larger salary or a dividend from your company – but is that the best thing to do? Will you have a pension or is retirement on solely on you?

At Livingston MacDonald Wealth Management we specialize in helping young professionals through the planning maze. Working alongside your other trusted advisors, we map out a year by year plan called the Watermark system. This plan will help you maximize your savings, investment growth and identify opportunities to minimize taxes.

As recent budgets have shown, the business investment and tax rules are subject to change from year to year. And we know that plans and lives change as well. Our Watermark system is updated every year to reflect your personal and regulatory circumstances. You can be assured that you are taking the shortest and most efficient route to realizing your goals and keeping as much of your hard earned money as is possible.

We will keep you up to date on taxation issues and how best to preserve your income. Worried about how much personal debt to re-pay and how much money to invest? Our unique planning process will provide clarity around how much you need to retire and what investments will get you there most reliably. All of these considerations go into your Watermark plan now and every year afterward.

We have offered these services to our clients for over 20 years and are gratified by their successes. Now we want to ensure that the next generation of influencers in our community have the same opportunity to generate wealth for their families. We understand that you are in the early phase of your journey and we want to help in a way that you can afford and stay with.

What does it cost?

1.25%

We take affordability very seriously. Proper asset management requires a variety of skills and we are willing to put all of our resources behind this offering. Your annual cost includes all of the financial planning and updating, consultation on taxes alongside your other professionals and expert discretionary portfolio management…year in and year out.

There is no cost or obligation for a consultation.

The Watermark system – Clarity, Consistency, Results