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Retired

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Dave & Rose

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Case Study 2

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​AGE:

67 & 59

PRIMARY GOAL:

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

old couple

Dave and Rose 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.

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THE CHALLENGE

Dave devoted 40 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 Rose 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 Rose 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.

Dave's ultimate goal was to make sure that their money would outlive them while facilitating the comfortable lifestyle they envisioned.

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THE APPROACH

It was important to help make Dave and Rose's retirement planning process easy, enjoyable, and stress-free.

To avoid any major surprises, the first step was to identify any potential tax challenges they may soon face.

Working together with Dave and Rose's CPA, the retirement planning process involved:

  • Compiling all the information Dave needed from his company’s benefits administrator

  • Summarizing all the options available to them along with any corresponding tax ramifications

  • Establishing new investment/retirement accounts

  • Strategizing 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.

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THE RESULTS

The solutions adopted by Dave and Rose helped them in many ways:

  • They were able to reduce taxes now and in the future

  • Dave's retirement savings were allocated according to his willingness and ability for risk.

  • They had a strategy to take income from his account that met their needs. 

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Today, Dave and Rose 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 their financial plan is sustainable and they can relax and enjoy life on their terms.

Dave and Rose's retirement plan is reviewed regularly. Most importantly, new tax laws are being monitored each year to ensure they are taking advantage of any opportunities available to them.

CONTACT

Thanks for submitting!

 

Sunstone Financial

25 Arizona Pl #500 

Chandler  AZ 85225

908-800-2145

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You have reached the website of Sunstone Financial LLC ("Sunstone Financial").  Sunstone Financial is a branch office of Next Financial Group, Inc. ("Next Financial").Securities and Investment Advisory Services offered through NEXT Financial Group, Inc., Member FINRA/SIPC. Advisory services also offered through Sunstone Financial an investment advisor registered in the state of Arizona. Sunstone Financial is not an affiliate of NEXT Financial Group, Inc. Sunstone Financial employees may be licensed/registered investment adviser representatives and/or broker-dealer representatives of Next Financial.  Sunstone Financial is also an Arizona licensed investment advisor offering limited investment advisory services, and certain Sunstone Financial employees are also investment advisor representatives of Sunstone Financial.  Additionally, certain Sunstone Financial employees are Arizona licensed and registered insurance producers who may offer and sell insurance products through a number of non-affiliated insurance carriers..  

 

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