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Case Studies

Our clients are successful and intelligent but desire to delegate the details and implementation of their wealth plan to specialists. Here are some examples of how we serve our clients.


Alejandro & Cristina

39 and 36 years old – Wealth accumulation, early career

Objectives: Evaluate their financial situation, define objectives, and establish specific goals and action plans to achieve early retirement.

Alejandro and Cristina are doctors who recently started their private nephrology practice, increasing their income stream yearly. They have been married for 3 years and have a 1-year-old child. They bought their first home three years ago. They have $250k outstanding student loans together, a 30-year mortgage, and consumer loans.

They started saving for their financial independence through individual retirement accounts and a certificate of deposit, unaware of the investment opportunities available, but they felt they would need more than this. They want to take advantage of the opportunity to compound their net assets.


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Emma & Lucas

62 and 67 years old – Retirement and Wealth Distribution

Objectives: Establish the most efficient way to distribute their wealth accumulated through Lucas’s employer retirement plan to cover their financial needs for a life expectancy of 90 years.


Lucas is an engineer, retiring after 30 years of employment. Emma was a housewife who cared for three kids and is now a financially independent professional. Throughout Lucas’s career, he saved in his employer-sponsored 401k. Now, he must decide how to access those savings, considering income tax implications and their life expectancy. They are both in good health and cannot project if their assets would last to enjoy a financially healthy retirement after considering their expenses adjusted for inflation.


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Alejandro & Cristina

39 and 36 years old – Wealth accumulation, early career

Objectives: Evaluate their financial situation, define objectives, establish specific goals and action plans to achieve early retirement.

Alejandro and Cristina are both doctors who recently started their private nephrology practice. They have been married for 3 years and have a 1-year-old child. They bought their first home three years ago. They have $250k outstanding student loans together.

They started saving for their financial independence through individual retirement accounts and a certificate of deposit. But they did not feel comfortable this will be enough.

FREEDOM Process™

We first identified their concerns and defined specific goals: budgeting, debt management, college education planning, retirement planning, tax management, life insurance need, and estate planning. Through budgeting, they were able to identify their savings potential and highlighted spending awareness. The student loan repayment plan was evaluated to determine the most efficient options. Our advisor educated the family about the benefits of having a consistent savings allocation and provided a deep explanation of our investment process.


According to their business structure, a qualified retirement plan was established, maximizing both savings opportunities and tax benefits. Another account was established for monthly contributions to cover future education expenses.  Life insurance term policies were bought to cover their temporary needs in case one of them died. Also, a Will with a testamentary trust and durable power of attorney was executed to assure their child will be protected. Finally, they were actively handheld and educated in our investment process.


Yearly review meetings to evaluate progress toward each goal and the impact of variations in assumptions are made as part of the continuous financial plan process. They now feel guided and with the financial certainty to retire with sufficient resources before turning 60 fulfilling their most cherished goals.


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Emma & Lucas

62 and 67 years old – Retirement and Wealth Distribution

Objectives: Establish the most efficient way to distribute their wealth accumulated through Lucas’s employer retirement plan to cover their financial needs for a life expectancy of 90 years.


Lucas is an engineer, retiring after 30 years of employment. Emma has been a housewife who took care of three kids: now financially independent professionals. Throughout Lucas’s career, he made sure to save in his employer-sponsored 401k. Now, he needs to decide how to access those savings, considering income tax implications and their life expectancy. They are both in good health.

FREEDOM Process™

We first identified their concerns and defined specific goals: budgeting, retirement planning, cash and tax management, and estate planning. Through budgeting, they were able to identify the cost of living during retirement and highlighted spending awareness. Retirement withdrawal projections allowed us to validate if that cost of living, inflation-adjusted, was reasonable compared to available assets. Adjustments were made to increase success probabilities of their assets outliving them. Our advisor educated the couple with a deep explanation of our investment process.


A rollover strategy was implemented to avoid a 20% tax withholding of their lumpsum distribution. A monthly managed distribution was programmed to supplement their social security income. After evaluating other taxable income sources, they will be able to distribute the retirement plan’s balance almost tax-free. Since their current CPA was ready for retirement also, we referred them to a younger CPA.


Both executed their “will” and other relevant estate planning documents. These actions gave them validation to the financial planning process on getting a greater assurance to the security for their future. Lucas and Emma feel reassured and can sleep better at night knowing their advisor is there to guide them and always puts their best interest first.


We established review meetings every nine months to evaluate the impact of variations in spending assumptions, adjustments to cost of living, capital market assumptions and coordination with other professionals, when needed. Now Emma feels more engaged and knowledgeable of their home finances if she needs to take charge alone one day, not to mention Luca’s peace of mind about his legacy.


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