Generosity Wealth Management
CASE STUDIESThe best financial plans are rooted in real life. Our clients come to us with unique goals, challenges, and opportunities—and we work together to create thoughtful, personalized strategies that align wealth with purpose and possibility.
Optimizing Charitable Giving with Donor-Advised Funds
A high‑earning, charitably minded client held appreciated stock but wasn’t maximizing deductions. We implemented a Donor‑Advised Fund and a biennial “bunching” strategy: donate stock in one year for a larger itemized deduction, then use the standard deduction the next while granting from the DAF. Result: greater giving power, lower taxes, and steady annual support for their causes.
Choosing a Colorado 529 Plan for Education Savings
New parents wanted to save for education without locking funds into a path their child might not take. We compared UTMA vs. 529 and recommended a Colorado 529 for its state tax deduction, tax‑free growth, and flexible uses (beneficiary changes, trade/vocational schools, limited K‑12/loan uses). They began monthly contributions, building adaptable, tax‑efficient savings for their child’s future.
Mitigating Risk Through Portfolio Diversification
A client in their 60s held a large position in employer stock and resisted our diversification plan. When the company collapsed, their shares became worthless and retirement plans were derailed. This case underscores why diversification matters—especially near retirement.
Ensuring Financial Security for a Surviving Spouse
After a terminal diagnosis, a couple needed a trusted partner to protect the wife’s financial future. We involved her in every decision, coordinated with their children, and created a seamless transition plan. The result: confidence, continuity, and lasting peace of mind.
Maximizing Business Exit Value for Retirement
A business owner, preparing to exit in 3–5 years, needed clarity on whether their company sale would fund retirement. We calculated the minimum sale price, adjusted for personal expenses, and collaborated with advisors to enhance business value. The result: confidence, clarity, and a retirement plan aligned with their goals.
Simplifying Finances Through Consolidation
After decades of career changes, a client faced a jumble of 401(k)s and bank accounts. We consolidated retirement accounts into a single IRA and streamlined their banking, creating clarity and ease of oversight. The result: simplified finances, cohesive management, and clear planning for heirs.
Put Your Wealth to Work for You
303-747-6455
HEADQUARTERS
885 Arapahoe Ave.
Boulder, CO 80302
Generosity North
Dubois, Wyoming
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