Broker Check

We Assist ALL Types of Clients

Retiring Executive with Large Company Stock Position

A 60-year-old corporate executive was contemplating retirement in the next 3-5 years. He expected his net worth to total around $5 million by the time he retired and expected he’ll require around $120,000 in after-tax income from the investments. In addition, he had a sizable position in his company stock via options and individual shares.

Through our in-depth review process, we identified three primary concerns for this individual, which included: income planning, risk reduction, and tax minimization.

From there, we assembled our team of professionals to create a customized strategy for him. The plan was designed to address his concerns and provide a guide leading up to and through his retirement years. This allowed him to focus on enjoying his final years of work and feel prepared for the next stage in his life.

First-time Investor with a Large Inheritance

A 31-year-old professional inherited a sizable amount of taxable money and needed help with investing. Initially, she advised us that the goal of money was long-term growth and that there would be no near-term withdrawals required. She had no previous investment experience and needed assistance.

Through our formal assessment of her complete financial situation, we learned that she actually had three main objectives for the money, these included: long-term capital appreciation, supplemental income, and a source of capital for a potential real estate purchase.

After uncovering these needs, we were able to build her a plan that addressed each of these objectives. A bucketed approach was used to target each goal based on its individual need and time horizon. In addition, the plan gave her a sense of confidence about her financial situation.

Existing Client Looking to Review Outside Asset

A 75-year-old existing client requested that we review some of her outside investments which we did not manage at the time. She had owned them for many years and they were held in a taxable account. She wasn’t sure if they were still appropriate for her age and risk tolerance.

During our thorough review of the assets, we discovered that some of the investments she owned were aggressive mutual funds that were invested in expense share classes. In addition, we uncovered that our client didn’t like receiving multiple statements from numerous firms.

After reviewing the assets and conveying the issues we uncovered, we were able to consolidate them into an account we actively manage for her. We converted some of the appropriate funds into less expensive share classes and designed a plan to diversify the other holdings in a tax-efficient manner. Thus reducing her risk and saving her money.