Case Studies2020-06-03T16:50:23+00:00


Pete & Amy need to plan ahead.

Case Study - Pete & Amy • Pete & Amy • Age 50 • Annual Income $225,000 • Three Kids • 401(k) assets $435,000 Pete and Amy Wilson are both 50. Pete is and engineer who just made a major career move by accepting a position as Director of Global Quality for a major local hydraulics manufacturer. Amy stays at home focusing on raising [...]

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Jean – Recently divorced.

Case Study - Jean • Age 57  • Annual Income $65,000 • Net Worth $485,000 • Recently Divorced Jean Kitching, 57, is feeling the financial fallout from a divorce. Her lifestyle has dramatically changed with the loss of her husband's income and she fears retirement looming on the horizon. She plans to work until age 70 in order to play catch-up. Then she wants [...]

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Greg & Susan want to retire now.

Case Study - Greg & Susan • Greg & Susan • Age 62 & 60  • Annual Income $145,000  • Net Worth $2,875,000 • Considering retiring now The clients came to us because they had concerns about their retirement income projections. Greg was considering retiring in 2016. Their current advisor recommended retiring now on an income of $96,000 by putting 100% of Greg’s $640k [...]

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Don wants to sell his company.

Case Study - Don Phillips Age 48 Business Owner Annual Income $400,000 to $650,000 Net Worth $1,230,000 Wants to sell company Don Phillips is the 48 year old owner of DP Machining. His business has seen significant growth since he started it 10 years ago. Although providing him with a very comfortable living, Don has grown tired of his business and would love to [...]

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Anne & Fred want to retire early.

Case Study - Anne & Fred • Age 57 & 62 • Annual Income $132,000 • Net Worth $1,065,951 • Considering Early Retirement Anne and Fred Reese, 57 and 62, are looking ahead to retirement early next year. They are thinking about heading south to a cheaper and warmer state but haven't made a firm decision. Fred is the sole breadwinner and earns $125,000 [...]

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*Active portfolio management, including market timing, can subject longer term investors to potentially higher fees and can have a negative effect on the long-term performance due to the transaction costs of the short-term trading. In addition, there may be potential tax consequences from these strategies.  Active portfolio management and market timing may be unsuitable for some investors depending on their specific investment objectives and financial position. Active portfolio management does not guarantee a profit or protect against a loss in a declining market.

**Investing in alternative assets involves higher risks than traditional investments and is suitable only for sophisticated investors. Alternative investments are often sold by prospectus that discloses all risks, fees, and expenses.  They are not tax efficient and an investor should consult with his/her tax advisor prior to investing. Alternative investments have higher fees than traditional investments and they may also be highly leveraged and engage in speculative investment techniques, which can magnify the potential for investment loss or gain and should not be deemed a complete investment program. The value of the investment may fall as well as rise and investors may get back less than they invested.

***Please consider the investment objectives, risks, charges, and expenses carefully before investing in Variable Annuities. The prospectus, which contains this and other information about the variable annuity contract and the underlying investment options, can be obtained from the insurance company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

The investment return and principal value of the variable annuity investment options are not guaranteed. Variable annuity sub-accounts fluctuate with changes in market conditions. The principal may be worth more or less than the original amount invested when the annuity is surrendered.

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