Retiree

Problem: A retiree and his wife engaged us to help them decide how to invest the various 401(k)s and IRA's they owned. They had been hearing so many bad things about equity investments that they got out of the market and allocated their entire retirement savings to a money market fund. They were referred to Stonegate, and called us to develop a cohesive investment and financial plan. Their greatest financial fear was outliving their money.

Our Solution:

Learning more about their goals, this included purchasing a second home, and creating an investment strategy that they would stick to through good and bad markets.
Determining what rate of return they needed on their portfolio to avoid running out of money.
Providing a detailed cash flow projection to help them understand how much they could afford to spend each year, without risking running out of money prematurely.
Each month, we wired a set amount to their local bank, which they used to cover their living expenses.

The benefits to the client:

Allowed them to stop worrying and second-guessing their investments decisions and, to focus on their grandchildren and other life interests.
As a Stonegate client, they are able to meet, call, fax or e-mail from anywhere in the world and receive an answer to any financial question.
Each quarter they receive a report providing a concise summary of the performance of their portfolio.
The client clearly understands their financial life.
We present our findings in a manner that is easy to understand