They’re in their early forties. They both work in real estate and therefore have variable annual incomes. Their goal is to be financially free by their early fifties, though they may choose to continue working to fill their time. They also have supplemental income from rental properties they own.
The Saenz’s earning potential is their biggest resource right now, but things could change dramatically if either of them lost their ability to earn. A savings plan as well as the right insurance policies are what’s most important. Given their time horizon of 10+ years, they’ll work with their Halbert Hargrove advisor to take on healthy risk with their investments, while maximizing tax savings.