Aug 22, 2025
Client Background
A client, nearing retirement, sought our guidance, overwhelmed by market volatility and a fear of losing money.
Challenge
The client’s conservative approach, keeping funds in low-yield bank accounts, jeopardized their ability to achieve their retirement goals due to insufficient returns. They needed to embrace calculated risks to meet their long-term objectives.
Solution
We conducted a retirement analysis to demonstrate that low-risk investments wouldn’t meet their goals. We educated them on market volatility, demonstrating that diversified portfolios have historically recovered over time. We implemented a balanced investment strategy with mitigated risks, aligning with their long-term objectives.
Results
Over 20 years, the client’s diversified portfolio weathered market fluctuations and achieved sufficient growth to meet their retirement goals. Their increased comfort with calculated risks, supported by our ongoing guidance, ensured they stayed on track for a secure retirement.
Are market fears holding back your financial goals? Contact Michael Brady for a personalized consultation to discuss how your wealth can align with purpose and possibility.
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.
Jul 1, 2025
Client Background
A client nearing retirement sought our guidance, as they were worried that they lacked sufficient savings to retire comfortably.
Challenge
The client’s primary concern was whether their savings, combined with their expected income and expenses, would support their desired lifestyle in retirement. Their uncertainty stemmed from a lack of clear projections and fear of market volatility.
Solution
We conducted a comprehensive retirement analysis, collecting data on their assets, liabilities, income, expenses, and insurance. Using a Monte Carlo simulation, we modeled 1,000 scenarios accounting for various market conditions, inflation rates, and life events. This analysis identified the savings rate, retirement age, and income level needed to achieve a high probability of success. We developed a tailored plan to increase savings and adjust their investment strategy for balanced growth.
Results
The analysis provided the client with a clear, actionable plan, boosting their confidence. By implementing the recommended savings and investment strategies, they increased their probability of a successful retirement. Ongoing monitoring ensured their plan remained on track, allowing for adaptation to changing circumstances.
Are you uncertain about your retirement readiness? Contact Michael Brady for a personalized consultation to discuss how your wealth can align with purpose and possibility.
