Thinking About Retirement Case Study

A couple in their early 40s reached out to Capital Wealth unsure if their current financial habits were setting them up for long-term success. With a busy family life, fluctuating expenses, and no clear retirement strategy, they were ready to take control of their future but didn’t know where to start.

The Challenge

Like many professionals in their 40s, they were asking:

Are we saving enough to retire when want to?

How much risk should we be taking in our investments right now?

What’s the best way to balance college savings and retirement planning?

How can we reduce taxes while building wealth?

They needed guidance, structure, and a long-term strategy that would grow with them.

The Retirement Approach

Map the Big Picture

Created a Retirement Money Map to visualize their current savings and future needs.

Invest with Purpose

Developed a personalized investment strategy aligned with their risk tolerance.

Maximize Tax Efficiency

Recommended tax-smart savings options to help grow wealth efficiently

Simplify and Streamline

Consolidated scattered accounts to simplify management and improve tracking.

The Outcome

Increased monthly retirement contributions with confidence.

Gained clarity on investment strategy and long-term goals.

Reduced tax exposure through smarter account allocation.

Felt more secure and in control of their financial future.

What to expect when you meet with us

Take the first step

40s and behind on retirement?

Get on track now.

Schedule a call with one of our expert advisors and turn your strategy into action.

Schedule today

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