The Client Connection

A Model for Your Goals

When a new client was referred to us, he and his wife were renting a house. They wanted to understand how much they could spend on a home purchase without jeopardizing their retirement goals.

We created a cash flow model with different scenarios and assumptions. Through this modeling the couple saw not just the maximum practical amount to spend on a home, but also the positive impact of staying somewhat below the prescribed maximum.

This client also had a complex compensation package that included salary, stock options, restricted stock and a deferred compensation plan. We advised him annually on the amounts to contribute to the deferred comp plan to keep his taxable income below certain tax thresholds.