Two careers and young kids. Decades of quiet saving. A last paycheck on the calendar. A first job and a first Roth. Four stages of the same path, and a plan for each one.
Families still building
You're saving in a few places and doing more or less the right things. The work now is putting it in order: the right accounts, the right sequence, and room to grow as the family does.
Money is going a few directions: a 401(k) each, some savings, maybe old accounts from past jobs.
We bring it into one view, fund accounts in the tax-smart order, and keep a cushion so the rest stays invested.
A house, kids, and goals that start competing for the same dollar.
Retirement and college get funded in the right proportion, with insurance only where it closes a real gap.
Incomes climb, and so does the tax bill.
More flows into tax-advantaged accounts, withholding stays handled, and company stock is worked into the plan.
The nest egg is real now, and the questions get bigger.
We map when work becomes optional and carry the plan into the next stage without starting over.
What We Do
Four different stages, one standard of care. Whichever plan is yours, these are the pieces behind it.
One document that ties your saving, investing, taxes, and estate into a single strategy, not a binder of boilerplate.
Prioritized actions, so nothing important sits undone.
We meet every quarter to keep the plan current as life and markets change.
We work with your other professionals through the year, so nothing falls between the cracks.
Common Scenarios
The situation
After years of building the company, your ESOP has become your largest asset. Most of your wealth now rides on a single stock, creating real tax and concentration risk.
How we’d approach it
We'd diversify the position gradually, manage the tax impact, and reinvest around your goals, turning one concentrated asset into durable, diversified wealth.
The situation
A loved one passes away and leaves you an inheritance, along with a wave of decisions about investing, taxes, and honoring their legacy, all at an emotional time.
How we’d approach it
We'd slow things down, coordinate with your CPA and estate attorney, and build a plan that preserves the inheritance, limits taxes, and protects it for the next generation.
The situation
You've saved consistently, and retirement is now about seven years out. The focus shifts from building wealth to making it last.
How we’d approach it
We'd build an income strategy, plan tax-efficient withdrawals, time Social Security and Medicare, and stress-test it all so you can retire with confidence.
The situation
Years of options, RSUs, or company stock have left you with a large position in a single company, and much of your future now rides on how it performs.
How we’d approach it
We'd bring the position down on a deliberate schedule, manage the capital-gains tax, and reinvest into a portfolio built around your goals.
The situation
You're preparing to sell the business you spent years building. It could create substantial wealth, and a tangle of tax, investment, and estate decisions.
How we’d approach it
We'd work with your CPA and attorney on both sides of the sale, reducing the tax bite and turning the proceeds into lasting, well-invested wealth.
The situation
You've saved diligently for years and you have enough. The hard part is knowing how much you can actually spend without putting your future at risk.
How we’d approach it
We'd map sustainable income, taxes, and healthcare into one clear plan, so you can spend with confidence knowing the long-term picture holds.
Hypothetical scenarios shown for illustration only. They do not depict actual clients or results, and are not a guarantee of future outcomes.
Our Principal
Marc Neighbor founded HomeBrook to give everyday savers the same straightforward advice he'd want for his own family. He works with people who built real wealth the steady way and would rather spend their time outdoors than watching the markets.
Meet the Team
Founder & Wealth Adviser
FAQ
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