The Millers are in their mid-50s, and retirement is on the horizon. He works in tech and holds stock options, while she recently inherited a sizeable sum from her parents. They’ve saved diligently, but now things are getting more complex.
The Millers
5–10 years from retirement, navigating equity compensation and a recent inheritance
Their questions:
Are we on track for an early retirement?
Can we minimize taxes on our income, investments, and inheritance?
How should we handle our stock options – sell shares now or wait?
What’s the best way to invest the inheritance for long-term stability?
If one of us stops working or we move, how does that change the plan?
We’re helping the Millers evaluate retirement timelines, unwind concentrated stock positions, integrate the inheritance thoughtfully, and stay flexible as life unfolds.
The Lees
Less than 5 years from retirement and looking for clarity
The Lees are in their early 60s and can see retirement just over the hill. They’ve been saving and investing for decades, but now they’re facing decisions that feel weightier than ever.
Their questions:
Can we afford to retire in the next few years — or sooner?
When should we claim Social Security?
Should we adjust how we’re invested as retirement gets closer?
What’s the most tax-efficient way to start drawing from our accounts?
What do we need to plan for with health care and long-term care?
We’re helping the Lees build a step-by-step income strategy so they can retire with confidence and avoid surprises.
The Smiths
Already retired and focused on living well — and leaving a legacy
The Smiths are in their early 70s, enjoying retirement in coastal San Diego. Their focus now is on making their money last, supporting the causes and people they care about, and staying organized as they age.
Their questions:
How do we make sure our money lasts — and keeps up with inflation?
What accounts should we draw from first, and how do RMDs work?
Can we give to our kids or charities in a tax-smart way?
Are we covered if one of us needs care down the road?
Is our estate plan up to date and in line with our wishes?
