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Dave & Rose

Case Study 2


67 & 59


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.


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.


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.


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. 

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.

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