facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast blog search brokercheck brokercheck

Catch Up


Jane: 57 year old Pharmaceutical Sales Manager
Children: 2 (26 & 28)
Annual Income: $235,000
Investable Assets
(Individual Account & IRAs): $375,000
401(k): $675,000 

Annual Savings: $12,000 to an Individual Account,
$10,000 to a company stock purchase plan, $23,000 to
her 401(k)
Wills & Powers of Attorney: Executed 12 years
ago after getting divorced
Life Insurance: $200,000 Group Term Insurance
Disability Insurance: Through her company

iThrive Life Planning Process™

Vision: Retire at 64; fund a wedding for her daughter; live comfortably and travel each year in retirement.

Awareness: Our analysis revealed that Jane was below the confidence zone with a 62% probability of achieving her Vision if she continued her current path.

Plan: In a live planning session we made adjustments to increase Jane’s confidence score to 79%.

Implement: Thrive Implemented her plan every step of the way.

Monitor: Thrive continues to annually confirm Jane’s Vision, test her plan, and hold her accountable so she stays on path.


Retirement: During a live planning session Jane shared she loves what she does and is willing to work two more years. Working a little longer provided her confidence that she could fund her retirement lifestyle, daughters wedding, and travel.

Investments: Created an investment strategy consistent with her plan and implemented across all of her accounts. Reduced her investment risk. Stopped contributing to her company stock purchase plan as her company stock constituted 20% of her total portfolio. Mapped out a strategy to tax-efficiently diversify this holding down to 10% over a two year period. 

Insurance: Purchased long-term care as she did not want to be a burden to her family.

Estate Planning:Worked with Jane’s attorney to update her estate planning documents.

Taxes: Harvested $40k of losses in her portfolio allowing Jane to offset future gains and $1.5k/year of income. Introduced her to a proactive accountant.

The above is a hypothetical case study and not based on actual individual client results.

The results achieved in our simulations do not guarantee future investment results. It is possible that the markets will perform better or worse than shown in the case study; that the actual results of an investor who invests in the manner these case studies suggest will be better or worse than the projections; and that an investor may lose money by investing in the manner the case studies suggest. The case studies assume the reinvestment of dividends and do not include transaction costs for purchases and sales of equities and bonds or mutual funds and ETFs.  We assume no deduction for advisory fees, and that assets are allocated in the manner the projections suggest until the hypothetical client reaches age 95.  The final results also address such factors such as annual spending, annual savings, timing and cost of goals.  Although the information contained herein has been obtained from sources believed to be reliable, its accuracy and completeness cannot be guaranteed. While the case study results reflect rigorous application of the investment strategy selected, hypothetical results have certain limitations and should not be considered indicative of future results or results for any individual investor. In particular, they do not reflect actual trading in an account, so there is no guarantee that an actual account would have achieved these results shown. The 62% (before) and 79% (after) illustrated probabilities of success were derived from licensed forecasting software. The forecasting results are based on a Monte Carlo simulation. In addition to the facts listed in the case study: Investment assumptions in the before scenario include a 10.11% hypothetical average rate of return with a 16.80% standard deviation. Annual goal inflation assumptions include 3.0% for Retirement-Basic Living, 3.0% for wedding funding, and 3.0% for travel. Marginal tax rate assumptions include 35% for federal and 3.07% for state. Long-term capital gains are taxed at 20%. A federal standard deduction of $24,000 was assumed. 85% of Social Security income was included as taxable income. Social Security income was estimated to be applied for at 70 years for the hypothetical client, with the assumption of $44,267/year of social security income. Social Security income assumed inflation rate was 1.5% per year.