CASE STUDIES
Plans That Actually Worked
Hypothetical scenarios based on real client situations. See the strategies, the numbers, and the outcomes that come from working with a fiduciary who specializes in retirement.
Thinking About Retirement
Age 58 couple · $750K in retirement savings
The Situation
A married couple, both age 58, wanted to retire at 62. They had $750K across multiple 401(k) accounts, two Social Security benefits, and a small pension. Their concern: would their money last?
The Challenge
- 4-year gap before Social Security eligibility
- Healthcare coverage before Medicare at 65
- Multiple scattered retirement accounts
- No clear withdrawal strategy
Our Strategy
- Consolidated 401(k) accounts into managed IRA
- Created bridge income strategy for ages 62–65
- Designed Roth conversion ladder during lower-income years
- Optimized Social Security claiming for both spouses
- Established healthcare gap coverage plan
Projected Outcomes
Retirement Ready
Age 65 · $1.2M in assets · Ready to retire
The Situation
A single retiree, age 65, with $1.2M in a traditional IRA and a Social Security benefit of $2,800/month. They needed $6,000/month in retirement income and were concerned about taxes and Medicare costs.
The Challenge
- Large traditional IRA creating future RMD issues
- Income level triggering IRMAA surcharges
- No Roth savings for tax-free income
- Single life expectancy for planning
Our Strategy
- Designed strategic Roth conversion schedule
- Managed income to avoid first IRMAA threshold
- Delayed Social Security to age 70 for maximum benefit
- Created bridge income from IRA during delay period
- Established QCD strategy for charitable giving
Projected Outcomes
Already Retired — Legacy Focus
Age 70 couple · $2.1M portfolio · Focused on legacy
The Situation
A couple, both age 70, with $2.1M across multiple account types. Their income needs were met, but they were concerned about estate taxes and leaving a meaningful legacy to their children and grandchildren.
The Challenge
- Large RMDs increasing tax burden annually
- Outdated estate documents
- Beneficiary designations not aligned with wishes
- No charitable giving strategy despite philanthropic goals
Our Strategy
- Implemented QCD strategy to reduce taxable RMDs
- Coordinated estate document updates with attorney
- Restructured beneficiary designations
- Created donor-advised fund for charitable goals
- Optimized asset allocation for legacy and income
Projected Outcomes
Federal Employee Retirement
Age 60 · 30 years of service · $600K in TSP
The Situation
A federal employee, age 60, with 30 years of FERS service, $600K in TSP, and FEGLI coverage. They wanted to retire at their Minimum Retirement Age and needed to understand how all their benefits fit together.
The Challenge
- Complex FERS annuity calculations
- TSP withdrawal strategy decisions
- FEGLI costs rising significantly with age
- FEHB and Medicare coordination at 65
Our Strategy
- Calculated optimal FERS retirement date
- Designed TSP withdrawal and rollover strategy
- Analyzed FEGLI vs. private insurance options
- Created FEHB to Medicare transition plan
- Built comprehensive income bridge strategy
Projected Outcomes
Your Situation Is Unique
Every family's retirement looks different. Let's build a plan for yours.
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We model your income, taxes, healthcare, and estate plan — showing exactly what retirement looks like with and without strategic planning.
A clear, coordinated plan that turns your savings into reliable retirement income — tax-efficient, healthcare-covered, and legacy-protected.