Case Study:

Retirement Income & Spending Strategy

We spread out their investments to avoid having too much in one company or sector, helping their money grow and making it less vulnerable to big market ups and downs. Flashy returns were replaced with more stable, predictable outcomes, reducing stress whenever market headlines hit.

We set aside money in separate buckets, including a larger emergency fund, so they’d have stability and peace of mind without keeping too much sitting idle.

Portfolio Diversification & Risk Management

We strengthened their fixed-income investments to keep things steady during market dips and inflation. We also created a dynamic spending plan that lets them enjoy more of the early years of retirement, with built-in guardrails to help keep their finances on track for the long haul.

With the Sona Safety Rail distribution method, their income adjusts based on market performance, allowing for a higher overall projected lifetime income without increasing the risk of running out.

Tax Strategy & Required Minimum Distributions Planning

We ran detailed scenarios to help them plan for long-term care, and they chose to self-insure in a way that protects their lifestyle. We also built their tax strategy around future required withdrawals, using asset tax location and charitable giving to lower taxes and make the most of their money.

Family & Legacy Planning

We developed a family-focused giving strategy using 529 plans for their grandkids and annual gifting for both family and charities. This approach supported their values while helping reduce their taxable estate and maintain control over their investments.