HOW WE HELP
Clarity for the decisions that follow a career change.
Whether you were laid off, left an employer with a 401(k), are making a deliberate career move or simply want a second perspective, we help you understand what this means financially before you decide anything.
RECENTLY LAID OFF
You've recently been laid off
Your job security changed overnight, but your financial confidence doesn't have to.
A layoff can raise questions about income, severance, benefits, health coverage and retirement savings all at once. We help you sort out which decisions need attention now and which can wait, so you are not making major moves under pressure.
Questions worth examining
- How long might my savings need to support me while my income changes?
- What should I understand about my severance and benefits before making decisions?
- What are my options for my 401(k), and what happens if I leave it where it is?
- Which decisions are time-sensitive, and which can wait?
FORMER EMPLOYER 401(K)
You left an employer with a 401(k)
Understand and maximize the choices available for your former workplace retirement account before deciding what to do with it.
Workplace retirement accounts come with choices, and each carries different tradeoffs around fees, investment options, access and taxes. We help you understand those choices before you decide what to do with the account.
Questions worth examining
- What options are available for my former employer's plan?
- How do fees, investment choices and access to money compare across those options?
- Are there tax considerations I should understand before making a change?
- Does keeping the account where it is still make sense?
CAREER TRANSITION
You're making a significant career transition
A new role, sabbatical, early exit or career pivot can change how your savings, benefits and long-term strategy fit together.
Even a planned move can shift your income, benefits and timeline. We help you see how the pieces fit together so your financial strategy keeps pace with your career.
Questions worth examining
- How does a change in income or benefits affect my existing plan?
- How much liquidity should I keep available during the transition?
- Should my retirement timeline or savings approach change?
- What should I ask a new employer about benefits?
A SECOND SET OF EYES
You want a second set of eyes
You've accumulated meaningful assets and want another perspective before making a major financial decision.
Many people we speak with already work with an advisor, CPA or 401(k) provider. A Wealth Pivot Review offers another perspective. There is no requirement to change advisors, move an account or make any changes at all.
Questions worth examining
- Does my current strategy still fit after this change?
- Are there options or questions I haven't considered?
- What should I be asking the professionals I already work with?
- Am I comfortable with the level of risk I'm taking right now?
When your questions go beyond our scope
One career event can raise questions about taxes, health insurance, estate planning, real estate, cash flow, your next career move and self-employment.
Our goal is not to be everything to everyone. It is to help you understand what kind of help you may need, then connect you with trusted professionals when the question falls outside our scope, including CPAs and tax professionals, bookkeepers, estate planning attorneys, real estate professionals, health insurance professionals, and career or business resources.
You don't need to know exactly who to call first. Start here.
How the Wealth Pivot Review works
Share your situation
Submit a brief application so we understand what has changed and what you would like to evaluate.
We review your application
Once we review your application and determine whether a Wealth Pivot Review is a good fit for your situation, our team will reach out to arrange your complimentary review.
Gain clarity before you act
A private Zoom conversation about what you have, what needs attention now and what may be better left untouched.
We may discuss:
- Your current financial position following a career change
- Your options for an existing 401(k) or retirement account
- How much liquidity you may need while your income is changing
- Which decisions require attention now and which may not
- How your existing financial strategy fits with your current circumstances
There is no cost for the review and no obligation to make changes. Most reviews take approximately 30 minutes. We reserve up to 60 minutes to prioritize any questions or concerns you may have.
We keep a limited number of review appointments available so each conversation receives the attention it deserves.
How to prepare
Join from a laptop or tablet
Choose a quiet, private space for the conversation.
Bring recent statements
For any retirement or investment accounts you'd like to discuss.
Have benefits details handy
Including any severance or benefits information you've received, if relevant.
Bring your spouse or partner
Highly encouraged, even if they don't manage the finances day to day. These decisions often affect the whole household.
Understand your options before you make your next move.
A career transition can change your income, benefits and retirement strategy at the same time. Get clarity on what deserves your attention now and what can wait.
Private Zoom conversation. No cost. No obligation.