Case Studies

We help clients throughout their lives in a variety of situations. The below case studies are representative of some of our typical clientele.

Melissa and Michael

Melissa, 28 and Michael, 30 are both attorneys, married for 5 years. Their combined income is $300K, with $300K of outstanding student loan debt. They are thinking about starting a family and trying to decide if, and when, they should purchase a home. However, they would like to retain some cash, so in the event a business venture presents itself, they can invest. They are looking for help choosing their group benefits.



Robert, age 52, is a married Executive VP at a Fortune 500 company, with a household income of $700K, who would like to retire in the next 10 years. He and his wife want to know whether or not they are tracking for retirement and make sure they are taking advantage of every tax break. He is looking for investment advice: Should he exercise his stock options? How much should they be saving and in what savings vehicle? Are the kids fully funded for college? What if they need to pay for care for an aging parent? Will they be able to retire or will they need to keep working?


Bill and Susan

Bill and Susan are 5 years from retirement, would like to know how they are tracking and make sure their estate planning documents represent their wishes. They want to ensure their nest egg is sufficient and need advice on structuring all assets, so that they can maximize their retirement savings and take Social Security at the right time. Do they need to keep working? Is long-term care insurance right for them? They want to spend the last penny the day they die, and anything left for the kids is a bonus.


James and Linda

Recently retired, James and Linda are considering speaking to an advisor to help better manage their assets during retirement and make sure their existing estate plan matches the documents they currently have. They are taking the RMD (required minimum distributions) out of their IRA’s and need to make sure they do not outlive their money. In the event of an unexpected illness or injury, they do not want to worry about how they will pay for any long-term health expenses. Once they are comfortable knowing their needs are met, they would like to begin a legacy plan for their children and grandchildren.