Case Study

Dan & Laura

A Retiree

  • Age:
    68 & 59

Primary Goal:

Creating a reliable income stream for retirement and improving the tax efficiency of their investment portfolio.


The Challenge

Dan devoted 35 years to running his company before deciding it was time to move into the next phase of his life. With his children grown, he and his wife Laura were looking forward to traveling as well as devoting time to the many activities they enjoy.

His retirement package included a 401(k), stock options, and a pension, and he was hoping to safely put these assets to work so he and Laura could enjoy a comfortable future filled with all the things they dreamed of doing.

They were unsure about how they could strategically use their retirement savings to mitigate taxes and maximize their investments and needed professional advice.

Dan’s ultimate goal was to make certain that their money would outlive them while facilitating the comfortable lifestyle they envisioned.

The Approach

We wanted to help make Dan and Laura’s retirement and investment process as easy as possible. The last thing we wanted was to add stress to what should be a carefree time in their life, so we made sure to identify any potential tax challenges he may soon face.

Working together with Dan and Laura’s CPA, we helped them in the following ways:

  • Compiled all the information needed from his company’s benefits administrator
  • Summarized all the options available to him along with the corresponding tax ramifications
  • Established retirement and investment accounts at a low-cost custodian
  • Developed an investment and withdrawal plan to provide them with a reliable income stream

Being able to see and understand all of his options got a lot of Dan’s anxiety off the table. He was able to move forward with his plans, confident in knowing that he and Laura would be well looked after.

The Results

The solution we developed for Dan and Laura helped them in many ways:

  1. They were able to avoid tax consequences
  2. Dan’s retirement savings were protected
  3. They had the advantage of a predictable and reliable stream of income that they could not outlive

Today, Dan and Laura are having the time of their lives. They travel between their home in the USA and their beach house in Belize, Dan gets to golf on his favorite courses, and they visit their grandchildren every chance they get.

They have the confidence of knowing that his financial plan is sustainable and that he and Laura can relax and enjoy life on their terms. We monitor their portfolio regularly. We keep the lines of communication open with their CPA to make sure we are aware of any changes to tax laws that would impact his savings and adjust our strategy accordingly.

Dan and Laura are living their dream in retirement, and so can you.

Want to Learn How We Can Help You Build a Sound Retirement Plan?

The first step in our S.T.A.R.T. Here process is a 15-minute phone consultation. This is a chance for both of us to make sure your situation matches our expertise. Quickly schedule your appointment here:


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