The Background

A couple planning for retirement is wondering how they will adjust to their new lifestyle and shifting financial situation. For many years, both husband and wife earned large salaries, and as a result became accustomed not only to their lifestyle, but also to taking on a fair bit of risk in their investments.

 

The Issue

The couple is concerned about the risk of losing capital. They want to ensure that they can live the lifestyle they have now without worry that their savings will run dry. They are also starting to think more about how they will preserve what they have for their children.

 

The Solution

 

TIER 1
Needs, Wants and Aspirations

Through a collaborative process, we work with the couple to prioritize their goals, sorting them into needs, wants and aspirations. This allows for a well-rounded portfolio that matches the time frame of their goals with suitable investments.

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TIER 2
Risk Analysis

Our proprietary risk analysis process allows us to create a unique portfolio that is clearly segmented into needs, wants and aspirations, with each category consistent with the nature of their objectives.

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TIER 3
Family Wealth Continuity

Conversations are held with members of their family and professional team to bring their legacy plans (wills and trusts) and legal documentation (powers of attorney) in order.

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TIER 4
Strong Decision-Making

The couple is presented with a clear portfolio and wealth plan. Incorporated are the parameters for investment decisions, the strategies for more efficient cash flow and the tactics for keeping needs, wants and aspirations balanced throughout their retirement.

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TIER 5
Protection from Losses

A number of solutions are identified to reduce tax liability, protect them from unforeseen health care costs and keep up with inflation, which helps them meet their preservation goals.