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Bruce (62) and Dianne (59)
Bruce is a sales executive at a company, and Dianne is a recently retired nurse. They've been diligently saving, and now their primary concerns are practical ones.
Their main concerns
- Maintaining their existing lifestyle now and through retirement
- Worrying about a stock market crash
- Confusion around which accounts to withdraw from first
- Whether Roth conversions make sense for them
- When to take social security
What we did
Retirement Planning
- Showed how much they could comfortably spend — even through a stock market crash
- Ran a social security optimization to show which option left them with the most money
Tax Planning
- Built an account withdrawal simulation to show which accounts to draw from first to reduce overall taxes and increase growth of wealth
- Roth conversion analysis to weigh the drawbacks and benefits of executing a conversion
Investment Management
- Created and implemented a new investment portfolio built to weather stock market crashes while still participating in growth
- Restructured the portfolio to increase after-tax returns without meaningfully increasing risk
Estate Plan
- Created and executed a gifting strategy for charities and heirs
- Worked with an estate planning attorney to update wills and trusts to carry out their wishes
The result
Bruce and Dianne now have peace of mind. They don't worry whether they'll run out of money, and they don't get anxious when they see stock market crashes on the news. They have more time to spend with their grandkids and passion projects — true freedom to spend time on what truly matters to them.
ⓘ Hypothetical illustration for educational purposes — not an actual client.