Dr. Michelle and her husband had done the hard part. Years of disciplined saving, a successful dental practice, a solid marriage. By most measures, they were in great shape.
But great shape on paper and great shape in real life are two different things. Their investment firm managed their portfolio, and that was about it. No financial plan. No retirement timeline. No guidance on when to sell the practice, how to handle taxes in the transition, or what healthcare would look like if she retired before Medicare kicked in. They had assets but no answers.
And without answers, every big question just stayed open. When can I actually retire? How much can we spend? What happens with the practice? What about insurance? They weren't stuck because they lacked resources. They were stuck because nobody had helped them think it through.
The practice sale alone was a complex, high-stakes decision. Finding the right buyer, timing the transition, understanding the tax implications. Layer on early retirement healthcare, Roth conversion windows, and a distribution strategy that needed to last decades, and you start to see why "just managing the investments" doesn't come close.
They didn't need another portfolio report. They needed someone willing to sit down and work through all of it.
We began with the big picture: when did they want to retire, and what did they want that life to look like? From there, we built a retirement roadmap that answered the questions their previous firm never addressed.
We reviewed every investment account and restructured their strategy to be more tax-efficient as they approached retirement. Not just positioned for growth, but designed for how the money would actually come out. We identified Roth conversion opportunities during a window where the math made sense, setting them up for tax-free income later when it would matter most.
On the business side, we helped Dr. Michelle think through the practice sale with real intention. Not just the financial mechanics, but the timeline, the priorities, and what "selling well" actually looked like for someone who had built something meaningful over a career. We aligned the sale with the rest of the financial plan so nothing happened in a silo.
And we solved the healthcare question. We researched options for the gap between early retirement and Medicare eligibility, giving them a path forward that removed what had been one of the biggest emotional roadblocks in the whole process.
The open questions finally had answers. Dr. Michelle and her husband knew when, they knew how much, and they knew what came next. Their taxes became coordinated instead of reactive. The practice sale shifted from a vague "someday" into a planned transition with real milestones. Healthcare stopped being the reason they couldn't pull the trigger.
But what sticks with us is simpler than all of that. They went from "I think we'll be okay" to "We know exactly where we stand." That's what a real plan does. Not just the document. The relationship behind it.
You don’t have to navigate the financial journey alone. Whether you’re a business owner preparing for growth, a family planning for the future, or simply someone who wants biblical wisdom applied to money, Sound Wealth is here to walk with you.
It’s time your finances reflected your faith. Let’s make a plan together.
