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 401k “safely” into bonds. Greg & Susan felt they needed more income to maintain their desired lifestyle in retirement.

If Greg retired in a year, his annuity would immediately provide a 4% guaranteed lifetime income of $1,597 per month and a lump sum guaranteed initial premium Death Benefit to Susan. We advised them that if Greg were to retire now they should withdraw from their other assets first and let the JNL annuity grow.

They liked our plan and we implemented it. We actively managed his annuity and it increased in value by 12.2% on his one year anniversary date., stepping the account value to $431,000

The implementation of the recommended strategies increased Greg & Susan’s annual retirement income from $96,000 with the previous advisor to $165,000 (72%).

This equates to an additional $2,700,000 over 30-year retirement with less risk and greater upside potential.


  • Postpone retirement one year using $780,000 from Susan’s IRA account
  • Rollover Greg’s lump sum pension of $385,000 into an annuity guaranteed lifetime income
  • Invest remaining $1,400,000 into the stock market using his and hers IRAs in the Tactically Man-aged Equities solution

Securities offered through Concorde Investment Services, LLC (CIS) Member FINRA / SIPC. Advisory services offered through Concorde Asset Management (CAM), an SEC registered advisor. Insurance offered through Concorde Insurance Agency (CIA). TADA Wealth Advisors is independent of CIS, CAM and CIA. TADA Wealth Advisors does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance.

PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS – The case study does not reflect actual clients. Any reference to securities is based upon historical data that is public sourced. No statement made herein is to suggest stock market performance or future performance, and no case study is used to imply future performance. The case study is intend-ed to illustrate services available through the adviser. They do not necessarily represent the experience of any clients.

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.

Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.

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.

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