Saving $400K a Year Isn't a Plan. Here's the Difference.

Book a Complimentary Consultation Here: https://calendly.com/aaron-klemm/intr... A household earning $1.5M and saving $400K a year had $5.2M built and no plan underneath any of it. Here's what the discipline was hiding. High income, high savings rate, no debt, maxed retirement accounts — and four expensive things nobody ever actually decided. When you save this much, nothing hurts enough to get fixed. The discipline hides the gaps. Discipline answers one question: are we saving enough? It can't answer where the savings should go, what the taxes are doing, how much risk is in the pile, or what any of it is for. Those are four different questions, and this video walks through all four with real numbers. Aaron Klemm, CFP, founder of Inflection Point, breaks down a dual-income executive household — $900K and $600K, two kids, both 401(k)s maxed, every RSU held, $600K in cash across three banks — and shows what an actual plan added on top of everything they were already doing right. The four defaults: 1. Concentration by accumulation — $1.8M in one company's stock, 35% of everything they own, at the company that also pays his salary and bonus. He never decided to hold it. The shares showed up at each vest and a bull market did the rest. 2. Asset location working against them — $1M of bonds sitting in the taxable account, throwing off interest taxed at 37% plus 3.8% NIIT, when the same bonds could sit inside the 401(k)s. Nothing about the investments is wrong. The seating chart is. 3. Cash with no job description — $600K earning a blended rate below what cash can earn, for no reason anyone can name. The question isn't where the cash should go. It's what each dollar is for. 4. A calendar with no plan in it — a non-qualified deferred comp plan he's never enrolled in, with a bracket spread between his peak earning years and a lower-income year later. Also covered: why municipal bonds start earning their keep for high earners in high-tax states, how to set a real emergency floor and name the rest of the cash, the honest caveats on NQDC (unsecured employer promise, irrevocable election, distribution schedule set in advance), and why the design work is largely a one-time cost. Who this is for: dual-career households earning $1M+, saving aggressively, with either no advisor or a CPA who files but doesn't plan. If your honest answer to "what's the plan" is "we earn a lot and we don't spend it," this video is about you. 📅 A second set of eyes on how your savings are arranged If you want someone to look at where your money actually landed — the concentration, the account locations, the cash, the elections — that conversation belongs on my calendar: https://calendly.com/aaron-klemm/intr... Timestamps 0:00 — The most dangerous financial situation 0:56 — The whole video in one breath 1:13 — Marcus and Elena 2:08 — What plenty of advisors would change: nothing 2:25 — Default one: the largest position nobody chose 3:05 — Default two: accounts fighting each other on taxes 3:43 — High-tax states and where munis earn their keep 4:26 — Default three: cash with no job description 4:56 — The emergency floor, then names and dates 6:03 — Default four: the calendar has no plan in it 6:44 — The honest caveats on deferred comp 7:18 — The four together: the diagnosis 8:04 — Saving solves quantity. These were problems of arrangement. 8:51 — The four questions a real plan answers 9:23 — Ask yourself the four questions Inflection Point works with corporate executives and high-net-worth families on equity compensation, tax coordination, and wealth transfer. Securities offered through IFP Securities, LLC, dba Independent Financial Partners (IFP), FINRA/SIPC. Investment advice offered through IFP Advisors, LLC, dba Independent Financial Partners (IFP), a Registered Investment Advisor. IFP and Inflection Point Wealth Management are not affiliated. This material is for educational purposes only and not personalized advice.