For High-Earning Couples

Financial planning that
works for both of you

Two high incomes, two sets of benefits, and decades of shared goals deserve more than two separate financial plans with no one coordinating the whole.

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Sound familiar?

No coordination between your finances

Two incomes, two 401(k)s, two sets of goals — but no one is looking at the full household picture and making sure everything works together.

Multiple accounts, no clear view

Checking, savings, brokerage, IRAs, employer plans — spread across institutions with no single source of truth for your net worth.

Dual-income tax complexity

High combined income means higher marginal rates, phase-outs, and strategies like backdoor Roths that require careful coordination.

Competing financial priorities

One of you wants to retire early. The other wants a bigger house. Without a shared plan, you're optimizing against each other.

How Forward helps

Forward treats your household as one financial unit. One shared advisor, one unified view of your accounts, and one coordinated plan — built around both of your careers, goals, and timelines.

✓Unified household dashboard showing your complete financial picture
✓Coordinated tax strategy across both incomes and all accounts
✓Joint goal tracking so you're moving in the same direction
✓One shared advisor who knows both sides of your household
✓Backdoor Roth, mega backdoor, and contribution optimization done right

What's included

Built for dual-income households with real complexity.

Investment Management

✓Unified portfolio strategy across all household accounts
✓Coordinated asset location (tax-advantaged vs. taxable)
✓Tax-loss harvesting across the full household
✓Rebalancing with both portfolios in mind

Financial Advice

✓Shared financial plan built around both of you
✓Retirement modeling for two timelines
✓Shared and individual goal tracking
✓Life event planning: home, kids, career changes

Tax Strategy

✓Dual-income optimization and bracket management
✓Backdoor and mega backdoor Roth coordination
✓Phase-out planning for deductions and credits
✓Charitable giving strategies

Tax Filing

✓Joint and married-filing-separately analysis
✓Both returns prepared and filed
✓Multi-state coordination if applicable
✓Included in your plan — no surprises

Ready to get on the same page financially?

Talk to a Forward advisor and build one plan that works for both of you.