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Retirement Pre-Op
Marty has managed all their finances up to this point. He Taylor is very excited at the prospect of retiring, but
subscribes to many newsletters and watches many shows nervous about their ability to do so since they have spent
regarding the markets to stay informed. He typically has a lot of money on fixing up their home and paying for their
been a buy and hold investor and has focused on the energy childrens education. She would like to see a professional
sector given his knowledge and work experience in that to get clarity on their retirement outlook. They have never
industry. Traditionally, he invests in stocks and commodities kept a budget since they have had dual incomes but they
but has little bond exposure. Marty would like to retire soon would like to maintain the same comfortable lifestyle
and came to us seeking advice on how to prepare for throughout retirement. Taylor is interested in being able to
retirement. volunteer and spend more time with her family.
MARTY & TAYLORS CURRENT RISK STRATEGY
3 7
WHAT IS IMPORTANT TO MARTY & TAYLOR?
Being able to
retire early
Lowering taxes
Updating investment
strategy
Essentials: $72,100
Discretionary: $38,000
TOTAL: $110,100
Essentials: $60,000
Discretionary: $25,000
TOTAL: $85,000
1%
24%
34%
4%
37%
MARTY & TAYLORS FINANCIAL PLAN CHALLENGES
2. Lack of budgeting.
3. No diversification of assets.
1, 2, & 3: Yields are for current portfolio yields as of 4/31/17. Please see disclosures at the end of this presentation for security risks.
GOAL BASED RECOMMENDATIONS
FOR MARTY & TAYLOR
Goal Strategy
We encouraged Marty to reduce his concentrated stock
Concentrated Stock positions by exercising stock options and selling portions of
company stock held inside his 401k. We also recommended that
Positions he eliminate all exposure to the energy sector inside his taxable
accounts.
(858) 487-3939
Were happy to speak with you.