1917 Palomar Oaks Way, Suite 130 - Carlsbad, CA - 92008 760.431.3040

Please note that the following case study is purely hypothetical and is intended to illustrate the range of services we may provide our financial planning clients. This example may not be representative of all experiences. There is no guarantee of future performance or success. Investing involves risks including possible loss of principal.


Bob and Vanessa had spent 25 years building a well-regarded manufacturing business and were looking forward to well-deserved retirement in five years. They had been priming their two children to take over the business. As with many entrepreneurs, the business was their primary asset a along with a 401k account.


As Bob and Vanessa’s financial planning team, we conducted an in-depth analysis of the business and personal financial landscape. We collaborated closely with the family as well as tax and legal advisors to understand the business goals, risk tolerance, and long-term aspirations. It was important to “finish strong” over the next five years while setting the children up for a successful transition. This involved designing a succession plan for sale of the business to the children. The planning also involved reviewing the current 401k plan, key man insurance policies, tax planning strategies, investment diversification, estate planning, and wealth preservation to optimize the overall financial position.


Through our financial planning services, we designed a five year exit plan that ultimately provided Bob and Vanessa a tax-favored retirement income, diversification and a legacy for the children.

Services provided include

  • Retirement budget projections
  • Lifetime cash flow analysis
  • Investment portfolio design and management
  • Tax optimization
  • Insurance to cover death, disability and long-term care needs
  • Charitable giving strategies
  • Sales/Succession strategies
Business Owners