Early Savers

Early Savers are in the foundation phase of their investment planning process, which is the base from which future wealth will be created. In this phase of life, Early Savers generally find investable assets are at their lowest and financial uncertainty is at its highest.

As an Early Saver, you may encounter a few of the considerations below:

  • How can I create a savings plan, particularly when I have existing debt and future expenses I have to pay off?
  • How can I pay down debt? And which debt should I pay off first?
  • Do I need a budget? And how do I set one up?
  • What is the best way to pay down my student debt?
  • I am getting married soon. How can I afford the wedding, and a honeymoon on top of that?
  • Should I rent or purchase a home?
  • Retirement seems so far off, but what should I be thinking about and how much should I be putting aside?
  • How should I invest my 401(k)? And what other retirement plans can I participate in?
  • I’m having a baby soon. I know it’s early, but what options do I need to consider for paying for college?

At JT Stratford, we have a more collaborative style of client relationship. Through our virtual advisory platform, we can aggregate all of your financial accounts, including your bank accounts, credit cards, brokerage accounts, insurance policies and even real estate. This helps you gain a better understanding of your overall financial position, which can help address these concerns.

It only takes a few seconds to add your accounts and once it’s established, you can gain insights into your goals, investments, risk management, net worth, insurance needs and liquidity. You can even perform monthly cash flow analysis and assess your performance.

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