Case Study 3

Young Professional


Consolidate investment accounts, mitigate taxes, create a reliable retirement income stream
Software Engineer

After accumulating wealth with previous employers IPOing as a software engineer, Molly began thinking about retirement. She is lives modestly, owns her home, has a teenage son and looks forward to spending most of her time traveling the world once her son is in college.

She currently holds a variety of investment accounts, including 401ks from her employers, stock options, an ESPP, and multiple brokerage accounts.

Molly was pretty sure she had enough to retire but also hoped she could leave a legacy for her son and support for her dad.

She craved a better plan that would allow her to retire confidently knowing she was equipped to meet these goals

Molly had more questions than answers:

  • How do I consolidate retirement funds?
  • What is my money invested in?
  • What are the tax implications of selling my stock options?
  • Do I have enough money to pay for healthcare, especially if I retire before 65?
  • How do I switch gears from working and saving money to living off my investments?

She knew seeking professional financial help was the right choice to ease her mind and create a plan that truly worked for her family.

The first step for Molly was to sit down with someone who would actually listen to her questions and concerns. She wanted to be heard and not sold to.

There is an understandable mixture of excitement and uncertainty when it comes to a retirement transition.

Once her goals were clearly documented, a personalized retirement plan that aligned with her values and priorities could be created.

In collaboration with her tax professional, Molly was able to:

  • Establish a retirement timeline that included future financial changes (social security & medicare)
  • Organize her assets so she knows she has enough money to fund what matters most
  • Reduce potential taxes through the systematic sale of her stock options
  • Maximize the effectiveness of her savings during her remaining working years
  • Create an income stream to fund the first few years of retirement before Medicare and Social Security begin

With a plan in place, Molly is able to bring back a sense of purpose and confidence to her remaining working years.

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