CASE STUDY:
Emily and Brian are Empty Nesters Preparing for Retirement
Meet Emily & Brian – Age: 55 & 58
Their Situation:
Emily has been working in marketing for over 20 years, while Brian has been a construction project manager for the same amount of time. They’ve recently become empty nesters, with both of their children now in college. They’ve saved around $500,000 in their 401k and $200,000 in a savings account. They’ve also been able to pay off their home mortgage.
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Their Concern:
Emily and Brian are thinking about retiring in the next 10 years and want to make sure they have enough money to support their desired lifestyle. They’re worried about the rising costs of healthcare, especially as they both have a family history of health issues. They also want to make sure they have enough money to support their children through college and perhaps even help with their first home purchase.
Their Solution:
Emily and Brian sat down with a Wealth Manager at The Retirement Planning Group, who helped them create a custom retirement plan. The Wealth Manager recommended they start saving more money in their 401k and also looked at ways to reduce their monthly expenses. They also discussed ways to save for healthcare costs and set up a college fund for their children.
The Wealth Manager also helped Emily and Brian establish a plan for optimal Social Security benefits, which would increase their lifetime Social Security benefits by $92,000. Lastly, the Wealth Manager made investment recommendations to help them reach their retirement goals. With the custom plan in place, Emily and Brian are now confident that they will be able to retire comfortably in 10 years.
Disclaimer
The above example is representative of an actual client, but we can’t use their real name or picture due to privacy concerns. Information provided is for educational purposes only and does not constitute investment, legal or tax advice. Past performance of any market results is no assurance of future performance. The information contained herein has been obtained from sources deemed reliable but is not guaranteed. Please contact TRPG for more complete information based on your personal circumstances and to obtain personal individual investment advice.
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