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Getting Serious About Retirement

A couple in their mid-50's was looking for a more personalized relationship with a financial advisor who could offer appropriate advice specific to their life situation, as well as a prudent investment strategy.

They had come to HCM from a disappointing experience with a large brokerage firm. That firm's focus was on selling in-house products which were not suitable for them and were not part of a coordinated financial independence plan.

The husband, a company executive, and the wife, a human resources director, felt the need to "get serious about retirement." It was important to them that a plan was developed that could happen on time and on budget.

We helped them consolidate their various brokerage and savings accounts and created a detailed financial plan. Our plan included the preparation of their first balance sheet that listed all of their assets and debts in one place.

In addition to managing some of the accounts, we were able to use our planning tools to "connect" to their current employer 401(k) retirement plans so we could monitor, allocate, and report them alongside the rest of their investments.

In addition, we helped the couple settle on an asset allocation that is more tax efficient. That should provide a higher level of sustainable income during their retirement.

The couple now feels organized, educated and on a proper track to retire as planned. Contact HCM at 513.598.5120 for assistance reaching your retirement goals.

This scenario is intended to illustrate services available at HCM and is not intended to be a testimonial or endorsement and is not intended to necessarily represent the experiences of other clients.