Aug 22, 2025
Client Background
An older client worried they couldn’t retire at their desired lifestyle due to limited savings and a short runway to retirement.
Challenge
The client’s savings and expected returns were insufficient to fund their retirement lifestyle. They needed to adjust key variables—savings rate, retirement age, or lifestyle expectations—to achieve their goals.
Solution
We performed a retirement analysis to evaluate their assets, liabilities, income, and expenses. We identified actionable variables: increasing savings, delaying retirement, or reducing retirement expenses. Together, we prioritized delaying retirement by a few years and boosting savings, balancing their current lifestyle with future security.
Results
By adjusting their retirement timeline and savings rate, the client significantly improved their retirement outlook. The clear plan provided confidence, and our annual monitoring ensured they remained on track, adapting to any changes in their circumstances.
Are you unsure which retirement variables to adjust? Contact Michael Brady for a personalized consultation to discuss how your wealth can align with purpose and possibility.
Aug 22, 2025
Client Background
A client with significant illiquid investments from a previous advisor sought our assistance in aligning their portfolio with their financial objectives.
Challenge
The client’s portfolio was heavily concentrated in real estate and other illiquid assets, which limited their access to funds and misaligned with their liquidity needs. These investments were suitable for others but not for their goals.
Solution
We identified quarterly liquidation opportunities within their investments and systematically sold the maximum allowable amounts. The proceeds were reinvested in liquid, long-term investments that better aligned with their objectives, executed over multiple years to optimize value.
Results
The client’s portfolio transitioned to a more liquid, diversified structure, aligning with their financial goals. They gained greater flexibility and control over their assets, ensuring their investments supported their lifestyle and future plans.
Are illiquid investments limiting your financial flexibility? Contact Michael Brady for a personalized consultation to discuss how your wealth can align with purpose and possibility.
Jul 1, 2025
Client Background
A couple in their 70s and 80s consulted us to plan their financial legacy. With sufficient income to cover their living expenses for life, their primary goal was to pass on as much wealth as possible to their children.
Challenge
The couple’s investment portfolio was overly conservative, reflecting their age but not their goal of wealth transfer to the next generation. This cautious approach limited growth potential, reducing the assets available for their children. They needed a strategy to optimize their portfolio for their heirs while ensuring their own financial security.
Solution
We reframed their investment time horizon to focus on their children’s lifespan, effectively extending it to a multi-generational perspective. We shifted their portfolio to diversified, higher-risk investments better suited for long-term growth. Additionally, we collaborated with their estate planning attorney to implement annual gifting strategies, leveraging the 2025 annual gift tax exclusion of $19,000 per recipient to transfer wealth tax-free. We also explored an irrevocable life insurance trust to further enhance their legacy plan.
Results
By adjusting their investment strategy, the couple’s portfolio achieved greater growth potential, better positioning their assets for their children’s future. The annual gifting strategy reduced their taxable estate while transferring wealth efficiently. They gained confidence that their legacy would support their children’s financial security, aligning with their long-term objectives.
Are you investing with your heirs’ future in mind? Contact Michael Brady for a personalized consultation to discuss how your wealth can align with purpose and possibility.
