ACap ReCap: Financial and Tax Tips
ACap Advisors & Accountants is a boutique fee-only Wealth Management and full-service Accounting firm based in Los Angeles. We handle everything from taxes to investments to risk management and estate planning, providing comprehensive, unbiased financial advice in one location. In our ACap ReCap episodes, we discuss the latest financial news, answer the frequently received financial questions, and share financial tips with you. If you have questions or suggestions email us hello@acapam.com Find more details at https://www.acapam.com/ #financialadvisor #fiduciaryfinancialadvisor #finance #financial #money #wealthmanagement #assetmanagement #investment #tax #taxplanning
ACap ReCap: Financial and Tax Tips
Case Study Series, Ep 1: Mark & Joanna — Building Wealth and Buying Their Forever Home
Case Study: Mark & Joanna — Building Wealth, Buying a Home, and Planning for the Future
In this episode, we walk through a real-life (names changed) client case to show how we approach comprehensive financial planning from start to finish. Meet Mark and Joanna — a high-earning couple in Los Angeles juggling demanding careers, twin teenagers in private school, and big goals for their financial future.
We break down how we analyzed their full financial picture — investments, taxes, stock options, insurance, and estate planning — to create a plan that helps them grow and protect their wealth in a tax-efficient way.
In this episode, you’ll learn:
- How we evaluated whether they could upgrade homes and still keep their first property as a rental
- Why we recommended backdoor Roth IRAs, Roth 401(k) contributions, and HSA funding
- The pros and cons of RSUs vs. ISOs — and which made more sense for Mark
- Why we replaced their target date funds with a diversified ETF portfolio
- How we improved their tax strategy by adjusting withholdings and stock compensation planning
- The importance of life insurance, umbrella coverage, and a proper estate plan for families with young kids
If you’ve ever wondered what it’s like to work with a financial advisor — or how professionals build a coordinated plan around real-world goals — this episode pulls back the curtain.
Disclaimer: This case study is based on real client experiences, but names and details have been changed for privacy. This content is for educational purposes only and should not be taken as personalized financial, tax, or legal advice.
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