Planning for Retirement Case Study

A couple in their early 60s had spent decades saving and preparing. But with retirement just a few years away, they were ready to stop guessing and start planning with confidence.

The Challenge

With retirement just around the corner, they needed to know: were they truly ready for what came next?

Were they truly ready to retire in the next 5 years?

How could they generate reliable income from their savings?

Would market volatility threaten their future lifestyle?

Could they lower their tax burden in retirement?

They were seeking peace of mind, but needed expert guidance to transition from saving to spending.

The Retirement Solution

Income Planning

Created a reliable monthly income stream using annuities, investment withdrawals, and Social Security timing.

Investment Realignment

Adjusted their portfolio to reduce risk and protect capital.

Tax Strategy

Used Roth conversions and strategic withdrawals to improve tax efficiency.

Healthcare Preparation

Built a plan for Medicare and future healthcare costs.

The Outcome

Stable, structured income gave them peace of mind.

Investment risk was managed without sacrificing growth.

Tax efficiency increased their take-home retirement income.

They had a clear vision—and the confidence to move forward.

What to expect when you meet with us

Want to know if you're retirement ready?

Interested In More Success Stories?

Thinking About Retirement Case Study

Read more about another Capital Wealth Case Study.

Already Retired Case Study