Executive Summary
Your current financial position is the result of smart saving and investing over the years. To have more than $1 million invested at your age puts you in the top 10% nationally and gives you a solid foundation for retirement planning. Home Smiles was a calculated risk in your entrepreneurial journey, and I don't expect it to knock you off track from your long-term goals. Right now, our focus is on three main priorities: growing Atomic to increase revenue, boosting your household income, and resuming regular investment contributions to stay on pace for your ideal retirement.
The goal is and always will be designing a life of choices, prioritizing the "golden years" and making work an option.
Snapshot
Adrian Gonzales (42) and Heather Gonzales (40) are married with two minor children, Gwyneth Gonzales (11) and Genevieve Gonzales (8).
As of February 10, 2026: Total assets approximately $2,894,151, total liabilities approximately $546,764, and net worth approximately $2,347,387.
Gwyneth Gonzales and Genevieve Gonzales JTWROS account is approximately $22,000 (tracked outside the net worth summary).
Overview
Net Worth
$2,347,387
Total Assets
$2,894,151
Gross Income
~$150,000
Total Liabilities
$546,764
Goals + Objectives
Grow Atomic
This is priority #1. The best way to change your financial situation will be to increase revenue.
Stabilize Income
Launching two businesses has positioned you as equity-rich with reduced cash flow flexibility.
Offload Home Smiles
Huge opportunity to shift capital and concentrate efforts on Atomic.
Save + Invest for the Future
As revenue increases and income stabilizes, get back to 'paying yourself first'.
Goals Progress
Short-Term (1-2 Years)
Sell Home Smiles
Grow Atomic
Stabilize income
Contribute to DAF
Long-Term (2+ Years)
Retire with financial freedom
See Financial Independence Projections below
Purchase vacation home
Balance Sheet
Assets
Liabilities
Business Assets
Total Business Assets
$600,000Atomic
Primary focus
Home Smiles
Offload opportunity
Focus on growing Atomic revenue while considering exit strategy for Home Smiles
Investment Allocation
Total Invested
$1,096,720Current Allocation
Recommendations
Financial Independence Projections
Target Retirement Age
60
18 years from now
Target Monthly Income
$15,000
$180,000 annually
Progress to FI Number
24.4%
Amount Needed (4% Rule)
$4,500,000
Currently Invested
$1,096,720
Gap to Close
$3,403,280
Based on 4% safe withdrawal rate. Assumes $180,000/year needed in retirement to generate $15,000/month income.
Recommendations
Taxes
Current Situation
Tax Strategies
Maximize tax-advantaged accounts
Priority: High
Review business expense deductions
Priority: High
Consider tax-loss harvesting
Priority: Medium
Estate Planning
Document Checklist
Education Planning
Target Per Child
$80,000
Total Target (2 Children)
$160,000
Currently Saved (JTWROS)
$22,000
Progress to Education Goal
13.8%
Gap to close: $138,000
Gwyneth
Age 11 - 7 years to college
Target: $80,000
Genevieve
Age 8 - 10 years to college
Target: $80,000
Action Checklist
Focus on growing Atomic revenue
Due: Ongoing
Stabilize household income
Due: 2026
Evaluate Home Smiles exit strategy
Due: 2026
Resume investment contributions
Due: When income stabilizes
Review estate planning documents
Due: Q2 2026
Review insurance coverage
Due: Q2 2026