David

David is 43 years old. He is a tenured university professor and is currently single. He owns a house and a car, and doesn't hold any debt other than his house mortgage. David has a 401K retirement account provided by his employer. He loves to travel and experience new things

man standing on beach during daytime
man standing on beach during daytime
David wants to ensure a secure retirement without giving up his current lifestyle

How we helped David:

  • We created a comprehensive financial plan that illustrates David's financial roadmap before and during retirement.

  • We identified potential risk factors that may affect David's financial objectives.

  • We created a detailed investment policy statement that clearly defined the appropriate asset allocation for his portfolio based on his return and risk objectives.

  • We opened a backdoor Roth retirement account and a brokerage account to channel in extra savings.

  • We helped David assign the appropriate asset classes in his 401k account.

John and Ellen

John and Ellen are a young couple with one child, both employed full-time. Their short-term goal is to buy their first house within the next three years, while their long-term goal is to save for retirement. Additionally, the couple wants to establish a fund to finance their child's education in the future.

man in white crew neck t-shirt and blue denim jeans sitting on white sofa chair
man in white crew neck t-shirt and blue denim jeans sitting on white sofa chair

How we helped John and Ellen:

  • We created a comprehensive financial budget that clearly detailed their income, expenses, and funds available for savings.

  • We determined the amount that will be saved for a house down payment and opened a brokerage account to invest the funds over the next three years.

  • After reviewing different options available for a college education fund, we chose to save and invest the funds in a brokerage account.

  • We opened a traditional individual retirement account (IRA) for each of them to supplement their 401k funds available at retirement and take advantage of tax deductions.

  • We reviewed their 401k current allocations and recommended some adjustments to align their asset allocation with their long-term objectives.

Harry and Ruth

Harry and Ruth, a mature couple, have just retired from their long-term jobs. They both have their retirement funds in 401K accounts provided by their previous employers. The couple would like to create a plan for their withdrawals from their retirement accounts and are concerned about the limited investment options their fund provider offers and the high management fees.

man and woman walking beside trees
man and woman walking beside trees

How we helped Harry and Ruth:

  • We created a financial plan to help the couple achieve their financial goals and objectives.

  • In the plan, we constructed a financial budget that detailed their living expenses during retirement and a disbursement plan that aligns with those expenses.

  • We opened and managed IRA Rollover accounts to give them access to a broad range of investment vehicles and to reduce the fees they pay on their 401K accounts.

Layla

Layla is a middle-aged professional who has built a successful career. She desires to retire early from her long-term profession and pursue her passion for meditation and holistic healing by opening a small center in her hometown. Leila would like to assess her current financial situation to see if she can afford early retirement and the launch of the new business.

woman on focus photography
woman on focus photography

How we helped Leila:

  • We developed a business plan to assess the economic feasibility of her new project and estimate the capital requirements and cash flows.

  • We created a financial plan that illustrates her objectives and constraints and draws a roadmap to achieve her short and long-term goals.

  • We constructed an investment portfolio that takes into consideration her short-term liquidity needs and long-term retirement objectives.

CAB Manufacturing

CAB Manufacturing is a medium-sized company specializing in aluminum products used in construction. Joe, the owner, would like to replace an existing old machine with a more advanced one. He wants to determine whether the replacement would be economically viable and add value to the business.

man in black jacket sitting on black chair
man in black jacket sitting on black chair

How we helped CAB Manufacturing:

  • We developed a capital budgeting plan that compares the economic profits of keeping the old machine to that of replacing it.

  • We computed the net present value and internal rate of return of the replacement project and made our recommendations.

  • We analyzed available financing options and selected the most appropriate one.

Financial Advisory
About us
Contact

250 Henley Place, #207 Weehawken, NJ 07086 info@xpandinvestment.com

Information presented in this website is believed to be correct at the time it is written. However, it is provided as general information and should not be considered as a legal, tax, or financial advice. For specific information concerning your individual situation, please consult your legal, tax, or financial adviser.

Xpand Investment LLC is a registered investment advisor offering advisory services in the State of New Jersey and in other jurisdictions where exempted.

The information presented about the clients needs and services provided are real. However, the names and the pictures do not represent those clients and they are used only for illustration purposes.