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Case Studies

We enjoy helping our clients solve the financial puzzle and providing them with a detailed plan to go forward. Below are three sample cases of actual clients we have worked with and the strategies provided. *

Young Professionals

Tom and Elle are in their mid 30's and need help getting started on an investment plan, saving for college for their two children, and ensuring they have enough life insurance coverage. 

They both earn a high income and are very successful, but are also very busy.  Finding someone to help them get organized and create a plan is a top priority.

- Opened Roth IRA accounts with a goal of maximizing contributions every year.

- Optimized their current 401K contributions to make sure they are taking advantage of tax benefits and company matching.

- Adjusted 401K investment options from the default settings to a more growth-oriented approach.

- Opened 529 college savings plans for their two children with a goal of contributing monthly.

- Obtained $500,000 in term life insurance coverage for Tom and $300,000 for Elle.


Adam & Terri are in their late 50's, have various 401k and IRA accounts, and are three years away from retirement. 

They are concerned about when to take Social Security, how much they will need from their investments to maintain their lifestyle, managing overall risk in their investment portfolio, and having a proper estate plan set up to protect against uncovered medical expenses.

- Ran a Social Security analysis to determine the appropriate time to begin benefits.

- Analyzed all income sources (SS, pension, rental income) to see how their income will stand up with inflation, as well as future tax implications.

- Changed the allocation of their various investment accounts to complement each other and reflect a more conservative approach heading into retirement.

- Consulted with their CPA on ways to reduce taxes, and coordinated with their estate planning attorney to set up a trust for assets they wish to protect.

- Obtained long-term care insurance coverage for additional expenses generally not covered by Medicare.


Warren and Grace are in their early 70's and have been retired for a few years. They do not have any pensions but collect Social Security which covers most of their monthly income needs. 

 They also draw a portion from their investments every year for additional expenses. Their biggest concerns are risk management, having a secure source of income to count on next to Social Security, and setting up a contingency plan for long-term care medical costs.

- Reviewed various options regarding prior 401K investments.

- Adjusted their investment allocation from higher risk to a more conservative approach.

- Determined a strategy for taking Required Minimum Distributions (RMD) from their IRA's to ensure they meet the annual deadline.

- Constructed part of their investment portfolio to focus on providing monthly income. 

- Referred them to an estate planning attorney to address the possibility of setting up a trust for protecting assets in the event of long-term care needs.

See a Sample Financial Plan

* These are situations based on real life examples. Names have been changed to protect privacy. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations to any individual. To determine which investments or strategies may be appropriate for you, consult us or your financial advisor prior to investing.