Retirees

We work with individuals who desire a conservative approach to portfolio management with a focus on maximizing their after-tax income.

Scenario
This client has recently retired. She currently has substantial assets from which she needs to start receiving income. She may liquidate some real estate holdings once markets improve and is concerned about recent stock market volatility. She cannot afford to go through another market correction.

Client’s Objectives

• Transition from an over-allocated equity portfolio to an income-producing portfolio.
• Properly manage the rollover of 401(k), restricted stock and stock options.
• Provide for her children and grandchildren.
• Update her estate plan to include recent grandchildren.

Possible Solutions

• Reallocate asset portfolio to more cash flow-generating investments while focusing on after-tax returns.
• Establish an IRA to receive a 401(k) qualified rollover.
• Create savings and investment accounts with the benefit of her children and grandchildren as the primary focus.
• Develop and maintain an open relationship with an estate planning attorney and CPA.*