Retirement Case Study

A Successful Retirement begins for Linda

When Linda first called me, she was eager to understand her options. Retirement was approaching and she wanted to make sure her $275,000 nest egg would work as efficiently as possible.

What she didn't expect was that many of the biggest financial "wins" from our planning would come from competent financial analysis- not just her savings. By making smart decisions with her existing assets and income sources, she gained stability, security, and even flexibility, without needing to rely solely on her nest egg.

First, Linda discovered that she could collect under her ex-spouse's Social Security benefit, significantly increasing her guaranteed lifetime income. Next, she paid off her $12,000 auto loan balance and a couple small high interest loans, eliminating recurring expenses and removing unnecessary financial drains.

Additional lifetime income became the backbone of her plan, ensuring she'd never have to worry about outliving her income. And by cashing in a whole life insurance policy that she no longer needed, she unlocked $30,000 in cash value, increasing the size of her nest egg and giving her more flexibility.

Now, Linda enjoys a retirement with a $400 monthly surplus, giving her the freedom to explore new interests, travel, and take on her next chapter with confidence.

Her journey is a reminder that small financial shifts can make a big impact.