CASE STUDY 3

Meet Janet

Janet is 59 and realizes she has been a great saver, but needs to start investing with a purpose. She would like to maintain her lifestyle, enjoy time with family, and leave money for the kids. Janet has great tax diversification already, but wants to retire within the next 5 years.

RESULTS

Janet hired a retirement-focused, fiduciary, fee-only financial advisor. She understood the advisor alpha or value that was shown during the
planning process. Now with a comprehensive retirement plan in place, Janet feel like she has more control. She understands the retirement plan is a living document, not just a one time snapshot. Janet is still years from retiring, but can now focus on what is important to her.

√   TAX PLANNING
√   INVESTMENT MANAGEMENT
√   INCOME PLANNING

FINANCIAL FACTS

  • Total Assets: $600,000
  • $250,000 in 401(k)s through employer
  • $250,000 in taxable savings such as brokerage accounts or bank accounts
  • $100,000 in ROTH IRA

DO I NEED A FINANCIAL ADVISOR?

– She is looking to partner with someone to do the heavy lifting and help put a plan in place to make the most out of her retirement.
– She is looking for independent, fiduciary advice to answer the tough questions and “what ifs”.
– Janet is a diligent saver, and wants to focus her time on her career, family, and retirement.
– Janet is seeking a comprehensive approach. She value’s investment, income, and tax planning advice – as it lets HER look at all areas of your retirement goals

HOW WE HELPED?

  • Tax Return Analysis allowed Janet to fill up the 22% bracket with 401(k) contributions and ROTH Conversions.
  • Advice on how to allocate tax sensitive assets properly
  • Comparisons showing estimates of how long her portfolio will last based on factors she can control.
  • Outline of how to strategically withdraw money from her retirement accounts.
  • How to claim her Social Security in a tax favored manner
  • Upon retirement, how to take advantage of the 0% capital gains rate
  • How to invest smarter and without emotion
  • The advisor alpha of working with MOKAN

REDUCE TAXES

INVEST SMARTER

OPTIMIZED INCOME

This information is provided for general informational purposes. The securities and strategies referred to in the information may not be suitable for you; therefore, it is important that you consider the information in the context of your own investment needs and objectives, including risk tolerance, investment goals and time horizon. This information is not intended to be a substitute for specific individualized investment planning advice.