After retiring last month, Dave, 66, and Susan, 65, want to enjoy their free time and find someone to help them navigate their retirement journey. Dave has a significant amount of stock in his former employer, which he would like to diversify, and Susan's employer has offered several pension options, including a lump-sum payout.
- Find meaning in retirement
- Spend more time enjoying educational and leisure travel
- Enjoy quality time with their growing families
A custom approach that balances income needs,
economic concerns, and legacy desires.
- Result 1
Dave and Susan worked with Approach Retirement to move Dave’s company stock into a brokerage account utilizing the net unrealized appreciation rules and liquidate the shares tax-free over time using the zero-percent long-term capital gain rate.
- Result 2
Dave and Susan have a framework for evaluating which pension payout option best fits their risk tolerance, income needs, and legacy desires.
- Result 3
Dave and Susan have a Social Security claiming strategy that coordinates with their other retirement income and maximizes their future Social Security cost of living adjustments.
Note: The above case study is hypothetical and does not involve an actual Approach Retirement client. No portion of the content should be construed by a client or prospective client as a guarantee of a certain result if Approach Retirement is engaged to provide investment advisory services. Each client's situation is unique and will affect the strategies that can be used for that client.