Karen & John: Actively Planning for Retirement

Karen (51) and John (53) are actively planning for retirement.
Both are working executives.
The couple has two children who have just started their careers and do not have any grandchildren.

A significant portion of both Karen and John’s wealth is tied to stock options which will fully vest in three years.
The couple would like to retire to pursue their hobbies which include traveling and sailing.
They ~$10k per year to charities and would like to continue this gifting during retirement.
They also gift each adult child $15k annually to help with housing costs.
Karen and John are looking for a financial advisor that will connect the dots between their investments, taxes, and estate planning and someone who they plan to work with throughout their retirement.

Create a values-based approach to financial goals to understand financial needs during retirement.
Create an income plan to recreate their paycheck in retirement.
Make a plan for healthcare costs.
Set up an estate planning structure that aligns with their family.
Provide active portfolio management.
Set up a donor-advised fund to tax efficiently give to charities.

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