Tom & Lisa
Case Study 02 : Age 67 & 59
Retired
Primary Goals:
Reduce taxes, Improve investments, Create a reliable income stream in retirement
After decades of hard work and raising their family, Tom and Lisa finally stepped into retirement. With their children grown and careers behind them, they were excited to spend their time traveling, golfing, and giving back to their community.
But like many new retirees, they faced one big question: How do we make sure our money lasts as long as we do—without sacrificing the lifestyle we’ve dreamed about?
They had built a solid nest egg—401(k), stock options, and a pension—but weren’t sure how to best use these resources. Their top priorities were clear: lower their tax burden, strengthen their investments, and create a dependable income stream they couldn’t outlive.
The Challenge
Tom had dedicated 35 years to his company. When he retired, he suddenly had a pile of financial options in front of him but little clarity on how to put it all together.
- Which accounts should they draw from first?
- How could they reduce taxes on their retirement income?
- Would their savings hold up in an unpredictable market?
Without a clear plan, they risked paying more taxes than necessary and potentially running out of money later in life.
The Approach
We wanted Tom and Lisa to feel confident, not stressed, about their retirement. That meant creating a simple, step-by-step strategy that gave them clarity and control.
Working alongside their CPA, we:
- Reviewed all of Tom’s benefits and retirement accounts in detail
- Laid out the available options and explained the tax impact of each
- Set up new investment and retirement accounts designed for long-term protection
- Built a withdrawal strategy that turned their savings into a steady, predictable income stream
With everything organized and explained in plain English, Tom and Lisa were finally able to relax and focus on enjoying life.
Disclaimer: This case study is hypothetical and does not involve an actual Compound Advisory client. No portion of the content should be construed as a guarantee of similar results.
The Results
The plan we built gave them exactly what they were looking for:
- Lower taxes today and in the future
- Protected retirement savings with a clear investment strategy
- A dependable income stream designed to last their lifetime
Today, Tom and Lisa are living the retirement they envisioned. They split time between their home in the U.S. and a beach house in Belize, visit new golf courses, and never miss an opportunity to spend time with their grandchildren.
They know their plan is built to last—and because we review it regularly, we’re able to adjust for new tax laws, market conditions, or changes in their goals.
Disclaimer: This case study is hypothetical and does not involve an actual Compound Advisory client. It is for illustrative purposes only and should not be construed as a guarantee of similar results.
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