Wealth Builder

AM I BUILDING THIS THE RIGHT WAY?

Build a Financial Plan Around How You Earn

A growing income can create more choices before it creates more clarity.

Whether your money comes from a salary, bonuses, company stock, self-employment, a business or a combination, Wealth Builder helps you organize the pieces around your goals and the life you’re building.

Try our Taxable vs. Tax-Deferred Savings Calculator

Compare Savings Options

The Decisions in Front of You

A raise, stock award, growing business or other significant increase in income or assets can change your financial life quickly.

You may be saving regularly and still wonder whether you are putting money in the right places, holding too much in one company, taking full advantage of your workplace benefits or balancing today’s priorities with longer-term goals.

The goal isn’t simply to save more. It’s to understand what each part of your money needs to do.

Download the Budget Worksheet

What We Help You Consider

Set Your Priorities

Bring cash reserves, debt, retirement savings, major purchases and longer-term goals into the same plan.

Diversify Your Wealth

Understand how employer stock, investments, a business interest or other significant holdings affect your overall financial picture.

Choose the Right Accounts

Evaluate workplace retirement plans, IRAs and other savings options in the context of your income, benefits, cash flow and goals.

Prepare for Change

Consider what would happen if your income changed because of a career move, an unexpected interruption or a change in your business.

Common Questions

How much should I be saving?

Your savings target should reflect your goals, timeline, cash flow and existing assets. A percentage can be a useful starting point, but it may not account for stock compensation, variable income, major upcoming expenses or other financial priorities.

I’m an employee, not a business owner. Is Wealth Builder for me?

Yes. Wealth Builder is designed for people whose income and financial responsibilities are growing, whether you're an employee, executive, working professional or a business owner. The specific planning questions will depend on how you earn and what you are working toward.

How should I think about company stock or another concentrated holding?

Start by looking at how much of your income and wealth depends on the same company or asset. Then consider liquidity, taxes, restrictions and the rest of your financial position when evaluating concentration risk.

How do I compare my retirement savings options?

Begin with the plans available to you, contribution rules, employer benefits, tax treatment and how much you can realistically save. The right comparison depends on your employment situation, income and broader financial plan.

What if my income recently increased or decreased significantly?

A meaningful change in income can be a good time to revisit your cash flow, savings, investments and near- and long-term goals. The right adjustments depend on what changed, how permanent the change may be and what priorities need attention now.

What does it cost to work with ACM?

Contact the ACM team to discuss fees, ongoing costs, services and any account requirements that may apply to your situation.

Personalize Your Wealth Strategy with Diverse Investments

Wondering if there's one right way to invest? Learn why a personalized approach can help you pursue your financial goals.

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Investment Challenges of the Affluent Investor

Affluent investors face unique challenges when putting together an investment strategy. Make sure you keep these in mind.

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Your Emergency Fund: How Much Is Enough?

Having an emergency fund may help alleviate the stress and worry associated with a financial crisis.

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Talk Through Your Next Steps

If your income, assets or financial responsibilities are growing, this is a good time to make sure the pieces are working together. Bring the questions you already have, and let’s look at what deserves attention next.

Schedule Consultation