Pre Retirees/ Retirees
Success Story

Names and Ages: Matt (59), Cynthia (58)
Occupations: Matt is retired, Cynthia is a C-Level Executive

Meet Matt and Cynthia, a couple on the verge of retirement with two children about to graduate college. Feeling the weight of these significant transitions, they approached us seeking reassurance that their retirement goals were attainable.


They faced uncertainty about an impending retirement and both living in retirement. Their primary concern was ensuring they could maintain their desired lifestyle while managing their finances effectively.


Recognizing the need for professional guidance, Matt and Cynthia sought the support of our seasoned financial planners experienced in assisting clients in similar situations. Together, we crafted a tailored financial strategy addressing the key areas of cash management, investment allocation, liabilities, and home improvements; with the aim of eliminating any retirement uncertainty.


Their personalized financial plan included:

  • Leveraged net unrealized appreciation in employer stock
  • Implemented a tax-efficient investment strategy for retirement
  • Executed an efficient debt-paydown plan
  • Strategized cash flow planning for their retirement journey to help them
    plan for trips, do home renovations, and investment property sales all while
    minimizing their long-term tax liability
  • Determined the optimal time to start taking Social Security income

Matt and Cynthia now have a clear retirement vision and a comprehensive plan covering anticipated events. They have gained peace of mind and confidence in their financial future.  

Our case studies presented are based on actual clients, however, some of the information may have been changed or altered.  These studies are provided for educational purposes only.  Similar, or even positive results, cannot be guaranteed.  Each client has their own unique set of circumstances so products and strategies may not by suitable for all people.  Please consult with a qualified professional before implementing any strategy discussed herein.  No portion of these case studies is to be interpreted as a testimonial or endorsement of the firms' investment advisory services