David & Grace
Case Study 01 : Age 54 & 51
the choice to work
Primary Goals:
Reduce taxes, improve investments, and create a reliable income stream in retirement.
The Challenge
David is a tenured professor, and Grace is a respected physician. They both love their work. It brings purpose, challenge, and fulfillment to their lives.
After decades of professional success, they’re not ready to walk away just because they’ve reached traditional retirement age.
Financially, they’ve done everything right:
- Earned high six-figure incomes
- Maxed out retirement and investment accounts
- Built significant equity in their home
- Maintained strong insurance protection
The challenge wasn’t fixing mistakes. It was refining what comes next.
David and Grace began to wonder if they were missing opportunities. They wanted to make sure their plan was optimized for taxes, income, and flexibility as they moved closer to retirement.
They admitted something many successful professionals eventually realize: they didn’t know what they didn’t know.
They weren’t in a rush to retire, but they wanted to know they could—confidently and on their own terms.
The Approach
David and Grace are busy professionals with full lives. They didn’t want complexity. They wanted clarity.
We started by organizing their entire financial picture and identifying areas for improvement and tax optimization.
Together, we built a coordinated plan that included:
- A tax-efficient investment strategy to reduce risk and improve returns
- Optimized asset allocation aligned with their long-term goals
- Charitable giving and Roth conversion strategies to minimize lifetime taxes
- Social Security timing analysis to maximize benefits
- A sustainable rebalancing plan to keep investments aligned
- A personalized financial dashboard giving them real-time clarity and organization
The Results
With a coordinated plan in place, David and Grace gained what they were missing: complete financial clarity.
They know exactly where they stand, how their investments support their goals, and how to minimize taxes throughout retirement.
Most importantly, they now have the freedom of choice.
They can continue doing what they love, scale back when they want, or retire completely—knowing their financial plan supports every option.
Today, David and Grace enjoy peace of mind and flexibility, confident that their plan is designed to evolve with them.
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