Environment Dana Rhodes NFP Advisor Services Group Presented By ACR88576 The hypothetical case studies are for illustrative purposes only and should not be deemed a representation of past or future results These examples do not represent any specific product nor do they reflect sales charg ID: 744056
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Case Study: Finding Income in a Low Interest Rate Environment
Dana RhodesNFP Advisor Services Group
Presented By:
ACR#88576Slide2
The hypothetical case studies are for illustrative purposes only and should not be deemed a representation of past or future results. These examples do not represent any specific product, nor do they reflect sales charges or other expenses that may be required for some investments. No representation is made as to the accurateness of the analysis.
This submission is approved on this condition.Slide3
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Case Study #1
Client ProfileSex: MaleAge: 58Spouse’s Age: 55Risk Tolerance: Moderately ConservativeNet Worth: $1.5 million
Annual Salary: $150,000Liquid Assets: $1.25 million
After
market volatility, the client moved his entire portfolio to cash. He would like to retire in 10 years so he’s concerned with growing his nest egg conservatively and generating a sustainable income in 10 years at retirement. Slide5
Case Study #2
Client ProfileSex: MaleAge: 55Spouse’s Age: 54Risk Tolerance: Moderate
Net Worth: $2 millionAnnual Salary: $200,000 joint ($125,000 single)
Liquid Assets:
$1
million
The client’s wife is recovering from a debilitating car accident that has left her in need of in-home care. He and his wife were not planning to retire for another 10+ years, but they now find themselves in a situation requiring more monthly income on one salary instead of two. Slide6
Case Study #3
Client ProfileSex: FemaleAge: 45Marital Status: recently widowedChildren: 18 and 20 years oldRisk Tolerance:
ModerateNet Worth: $2 millionAnnual Salary: non-workingLiquid Assets: $2 million life insurance proceeds from husband
The client’s husband recently passed away. She has not been employed since before her children were born. Her oldest child is in college and the youngest just started college this fall. She inherited a $2MM life insurance death benefit, but is now concerned
with
maintaining her lifestyle, funding her children’s education and having a sustainable lifetime income.Slide7
Case Study #4
Client ProfileSex: MaleAge: 70Spouse’s Age: 57Risk Tolerance: Conservative
Net Worth: $2.5 millionAnnual Salary: retiredLiquid Assets: $600,000 qualified
| $400,000 nonqualified
The client needs to take RMDs and generate enough income to live comfortably off of his qualified assets since he doesn’t have a pension. He also wants to leave a legacy for his wife. Unfortunately, he’s uninsurable so life insurance is not an option for him. Slide8
QuestionsSlide9
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