Sample Financial Plans
Case studies that show how thoughtful planning changes the outcome.
Each plan is built around a realistic situation, with fictional clients and actual math.
The Chens · Bay Area
Retiring in Five Years
Won the game. Done taking risk.
$6.0M
Net
Worth
88%
Monte
Carlo
+$1.52M
More
for Heirs
Hypothetical illustration only. The figures above are for a fictional household and do not represent actual client results. Hypothetical performance has inherent limitations and does not account for the impact of market conditions, taxes, or other factors on an actual client's account.
A $2.47M pre-tax IRA, five years from retirement, and a 30-year tax bill hiding in plain sight. Five strategies. One coordinated plan.
The Alvarezes · Orange County
Retiring at 60?
Exploring options, not outcomes.
$3.1M
Invested
Assets
$8,200
Monthly
Spending
4
Scenarios
Tested
Hypothetical illustration only. The figures above are for a fictional household and do not represent actual client results. Hypothetical performance has inherent limitations and does not account for the impact of market conditions, taxes, or other factors on an actual client's account.
An educational case study: a hypothetical couple, both 60, explores when they might retire and what they might spend. Four what-if scenarios. Not a recommendation or a prediction.
The Whitakers · California
NUA or Roth?
Tax now, tax later, or both.
$3.75M
Invested
Assets
$350K
Employer
Stock
5
Strategies
Tested
Hypothetical illustration only. The figures above are for a fictional household and do not represent actual client results. Hypothetical performance has inherent limitations and does not account for the impact of market conditions, taxes, or other factors on an actual client's account.
An educational case study: a hypothetical retired couple, 70 and 67, with $350,000 of employer stock in a 401(k) compares an NUA distribution, Roth conversions, and both, before RMDs begin. Not a recommendation or a prediction.
The same thinking we share with clients.
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