Thomas “Neo” Anderson is a computer programmer who has been off the grid for many years. He is now looking to the future. He currently has very little saved. He does have the potential of a high earning capacity. He plans to get married and hopes to have children.


Neo has had to face reality. He is justifiably concerned that he will not be able to retire. Since he has not been contributing to Social Security, he will have to provide for his own retirement.


  • STEP Financial process:

    • Maximize his savings.
    • Utilize tax-advantaged retirement accounts and insurance products.
    • Develop an investment philosophy and risk analysis.
    • Create an investment portfolio appropriate for his risk tolerance and ability to take risks.
    • Uncover ways he can reduce expenses.
    • Get Estate Documents.
    • Explore Life Planning.
    • "Remember your dreams and fight for them. You must know what you want from life." - Paul Coelho

    • "Failing to plan is planning to fail." - Alan Lakein Lakein

    • "Never underestimate the power of dreams and the influence of the human spirit." - Wilma Rudolph

    • "Before beginning, plan carefully." - Marcus Cicero