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Integrated Financial Strategy for Couples and Families
Asset structuring, goal alignment, and long-term planning for couples — with divorce support covering valuation, division, and forward-looking financial modeling when needed.
Wealth Management Solutions
Explore each discipline within our integrated wealth management platform. Select any service below to preview our approach — then visit the full page for a deeper look.
Building Wealth Together — and Protecting It No Matter What
Money is the number one source of conflict in relationships — and the number one reason people delay making financial decisions they know they should be making. Whether you're newly married and combining finances for the first time, raising a family and juggling competing priorities, or navigating the financial complexity of a separation, you need a plan that's built for two.
At Bull Run Investment Management, we help couples align their financial lives into a single, coordinated strategy — covering investments, retirement, tax planning, estate structures, insurance, and cash flow. When both partners can see the full picture and understand how every decision connects, the conversations get easier and the outcomes get better.
And if life takes an unexpected turn, we're here for that too. We provide objective financial guidance during divorce proceedings — including asset valuation, division modeling, and forward-looking projections — so you can make informed decisions during one of the most difficult transitions you'll ever face.
brokerage, insurance
real estate, business
What Marital Financial Planning Covers
We bring both partners into the conversation and build a strategy that reflects shared goals, individual needs, and the full complexity of your combined financial life — from how you're paid to how your estate is structured.
Goal Alignment & Cash Flow
We map both partners' income, expenses, savings, and debt into a consolidated view — then build shared cash flow projections that fund your combined priorities: home purchases, education, travel, retirement, and everything in between.
Account Structuring & Titling
Joint accounts, individual accounts, trust-owned accounts, beneficiary designations — we design the right ownership structure for every asset, aligned with your estate plan, tax strategy, and state property laws.
Tax Optimization for Couples
Filing jointly vs. separately, maximizing retirement contributions across both employers, coordinating Roth conversions, asset location across tax buckets, and charitable giving strategies — all calibrated to your combined income picture.
Insurance & Risk Planning
We evaluate both partners' coverage needs — life, disability, umbrella, long-term care — and ensure policies are appropriately sized, properly owned, and aligned with your estate and beneficiary structures.
Estate Planning for Couples
Coordinated wills, revocable trusts, power of attorney, healthcare directives, and guardianship designations. We work with Bobby Feisee, Esq. to design estate structures that protect both partners and provide for children and heirs.
Retirement & Withdrawal Planning
We model joint retirement scenarios across both partners' accounts — Social Security optimization, pension decisions, withdrawal sequencing, Roth conversion ladders, and survivor income planning to protect the surviving spouse.
Financial Planning Evolves with Your Relationship
The financial priorities of a newly engaged couple are fundamentally different from a family with three kids, a dual-income household approaching retirement, or a couple navigating a gray divorce. We meet you where you are.
Getting Started Together
Combining finances, setting up joint accounts, aligning on savings targets, establishing emergency reserves, managing student debt, buying a first home, and building the foundation of a shared financial life. We help you start strong with clarity and a plan.
Raising Kids & Building Wealth
Education funding (529 plans, custodial accounts), life insurance sizing, estate documents (wills, guardianship), childcare budgeting, upgrading housing, and balancing short-term costs with long-term wealth accumulation. The middle years are the busiest — and the most expensive.
Maximizing Dual Incomes
Coordinating employer benefits, maximizing retirement contributions across both plans, equity compensation strategies (RSUs, stock options), Roth conversions during high-bracket years, and building the investment portfolio that will fund your retirement.
Preparing for the Next Chapter
Social Security timing analysis, pension decisions (lump sum vs. annuity), Medicare planning, catch-up contributions, downsizing strategy, survivor income modeling, and building a withdrawal plan that ensures neither partner outlives the money.
Protecting What You Bring In
We provide financial clarity to inform prenuptial and postnuptial discussions — asset inventories, business valuations, inheritance tracking, and separate property documentation. We coordinate with your attorney to ensure the financial picture is accurate and complete.
Blending Financial Lives
Second marriages carry added complexity — prior obligations, children from previous relationships, existing trusts, alimony, and divergent retirement timelines. We build a plan that respects existing commitments while creating a shared path forward.
Objective Guidance During Life's Most Difficult Transition
Divorce is one of the most consequential financial events of a person's life. Decisions made during this period — about asset division, retirement accounts, real estate, tax filing, and support structures — have long-term implications that can take years to unwind if handled poorly.
We provide objective, fiduciary financial analysis to help you (and your attorney) make informed decisions. This is not legal advice — it's financial clarity. We model scenarios, quantify trade-offs, and ensure you understand the true value and tax implications of every asset on the table before you agree to anything.
Asset Inventory & Valuation
We compile a comprehensive inventory of all marital and separate assets — investment accounts, retirement plans, real estate, business interests, stock options, deferred compensation, life insurance, and personal property. Each asset is valued on a consistent, defensible basis.
Division Modeling & Tax Impact
Not all assets are equal after taxes. A $500,000 brokerage account is not worth the same as $500,000 in a traditional IRA. We model the after-tax value of every asset and run multiple division scenarios so you can evaluate proposals with full financial clarity.
Cash Flow & Support Analysis
We project post-divorce income and expenses for both parties, model the impact of alimony and child support scenarios, and determine whether the proposed settlement supports your long-term financial needs — housing, retirement, education funding, and day-to-day living.
Post-Divorce Financial Reset
Once the settlement is finalized, we rebuild your financial plan from the ground up — new investment strategy, updated estate documents, revised beneficiary designations, insurance review, tax filing status changes, and retirement projections based on your new financial reality.
Why Couples Need More Than Separate Accounts
The Fragmented Plan
- ✕ Each partner manages their own accounts independently — no one sees the full picture
- ✕ Retirement contributions uncoordinated — money left on the table through duplicate strategies
- ✕ Estate documents outdated or missing — beneficiary designations from a prior marriage
- ✕ Insurance coverage guessed at — no analysis tied to actual income replacement needs
- ✕ Tax strategy is reactive — nobody is modeling joint filing optimization or Roth timing
One Plan, One Team
- ✓ Every account — joint, individual, retirement, trust — consolidated into one dashboard
- ✓ Contributions, Roth conversions, and asset location optimized across both partners' accounts
- ✓ Estate plan designed as a unit — wills, trusts, and designations coordinated and reviewed annually
- ✓ Coverage needs modeled against actual income, debt, and survivor projections
- ✓ Joint tax strategy built proactively — bracket management, gifting, and filing optimization
One Team Serving Both Partners
Your financial plan is only as strong as the coordination behind it. We serve as the central hub — bringing together investment management, tax, estate, and insurance expertise to serve your household as a unit.
Ready to Build a Financial Plan That Works for Both of You?
Schedule a complimentary consultation to discuss your household's financial goals — or get objective guidance during a divorce or separation. No pressure, no judgment — just a straightforward conversation about how we can help.