Skip to content

Chicago-based financial planning and investment management firm serving clients nationwide

Ambitious professionals Ensure today’s decisions support your future vision.

Financial planning is more than retirement preparation.

You have big ambitions and your eye on the future, but you may still be in the first half of your career. The many financial situations you navigate today at work and home are just as important as the ones you’ll make decades from now. If those current situations often leave you wondering what’s right, the EMBREE FINANCIAL team can help. We work with you to ensure that the financial decisions you make now help you achieve your full wealth potential in the years ahead.

Think it’s too early to start working with an experienced financial planner? Think again.

Common situations we can help with

Post-wedding planning

You got married, and you’re back from your honeymoon. Start merging your finances, make smart decisions together, and plan your combined financial future.

Saving for college

With the costs of a college education continuing to climb, you have a number of options for the savings process. It’s never too early to start planning.

Protecting your family

Thinking about life insurance options after children arrive? Get guidance on the many options for securing your family’s future.

Buying a home

Many factors can influence your best option for the type of mortgage to pursue. You even have choices about how much of your resources to use as down payment.

Beyond a maxed out 401(k)

You’re consistently hitting the annual contribution limit for your retirement plan through your employer. Make sure you’re being smart with that additional cash flow.

Evaluating benefits

With employers offering so many different types of benefits, get help evaluating your possibilities so you can make the best overall financial decision.

Understanding crypto

Make sure you understand the risks before getting into cryptocurrencies — the digital or virtual currencies that are secured by cryptography.

Tax management

Putting together a plan to mitigate taxation requires specialized expertise.

or contact us to discuss your unique needs

Common questions

Should I save pre-tax or Roth in my 401(k)?

Saving pre-tax reduces tax liability today by deferring those taxes until retirement. Roth contributions will not reduce taxes today but will continue to grow tax-free from now into retirement. No strategy is applicable to everyone. But a good rule of thumb is to save pre-tax if your income is higher today than you anticipate it being in retirement.

How do I get the highest return on my investments?

One of the most significant factors for any investment is taxation. Developing a strategy to mitigate taxes is critical to increasing returns. An appropriate strategy will consider the effects of taxation today, as the investment grows, and when it is eventually sold.

We just had our first child. How should we start saving for college?

There are several education-specific savings plans, such as 529s or Coverdell ESAs. These can be good options, but some people want more flexibility. Custodial accounts, such as UTMAs, and even flexible brokerage accounts can also be used for college savings. A lot depends on your savings goals and preferences.

I’m maxing out my 401(k) contributions. Can I also contribute to a Roth IRA?

There is an income threshold for determining eligibility to contribute to a Roth IRA. If your modified adjusted gross income (MAGI) is below the threshold, you’re typically eligible to max out your 401(k) contributions and contribute to a Roth IRA.

Starting early can pay off later.

Andrew Farinelli likes to work with successful, ambitious professionals still in the first half of a career. He can help you navigate the vast possibilities as you progress through the many stages of life.