Case Study

Optimizing Retirement Age

Retirement planning is a complex process influenced by various factors such as financial goals, risk tolerance, and life expectancy.

Our 55-year-old couple, two individuals each with successful careers and a desire to retire comfortably, had neglected to previously organize and plan for retirement. They were referred to us for guidance on identifying when they can retire while also balancing their investment goals and cash flow needs.

Together, we discovered the strategy by acting as a “personal CFO” for them, aligning their various needs, including:

Collaboration with our team of advisors to assess their current financial situation, including assets, liabilities, income, and expenses.
Organizing their retirement goals, including desired annual income, lifestyle expectations, and legacy considerations.
An assessment of their risk tolerance to maintain investment strategies that align with their comfort level.
Forecast their projected cash inflows and outflows at different retirement ages to identify potential gaps or surpluses.
Developing a tailored investment strategy aimed at maximizing returns while mitigating risks by considering asset allocation, diversification, and market projections.

By systematically assessing our clients’ financial situation, goals, and risk tolerance, conducting a cash flow analysis, and optimizing their investment portfolio, we are able to assist them in determining their optimal retirement age and projected income during retirement.

Through this comprehensive approach, our clients gain confidence in making informed decisions regarding retirement, maintaining a financially secure and fulfilling post-career life .

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