Case Study

Dan & Laura

Retired

  • Age:
    67 & 59

Primary Goal:

Reduce taxes, improve investments, and create a reliable income stream in retirement.


Dan and Laura have recently retired from rewarding careers and have lots of plans for the future.

They want to ensure that their retirement plan not only enables the lifestyle they have envisioned in retirement but that they have a plan to make sure they never run out of money.

Reducing taxes, improving investments, and creating a reliable income stream in retirement was their priority.

The Challenge

Dan devoted 35 years to 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, golfing, and giving back to their community.

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

He wasn’t quite sure about how he could access these funds and needed some advice as to what investment options were available to him.

Dan’s ultimate goal was to make sure 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 planning 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 they may soon face.

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

  • Compiled all the information Dan needed from his company’s benefits administrator
  • Summarized all the options available to them along with any corresponding tax ramifications
  • Established investment/retirement accounts
  • Strategized a withdrawal plan to provide them with a reliable income stream

Being able to see and understand all of their options removed a lot of worries. They were able to move forward with their plans, confident in knowing that they would be well looked after.

The Results

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

  • They were able to reduce taxes now and in the future
  • Dan’s retirement savings were protected
  • They had the advantage of a predictable 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, visit new golf courses, and spend time with 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 Dan and Laura’s 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 their savings and adjust our strategy accordingly.

Want to Create a Reliable Income Stream in Retirement?

Step One 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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