“She hopes to continue living the same financial lifestyle she has become used to — and is concerned about outliving her assets.”
Elizabeth's husband of 40 years recently passed away. She now finds herself overwhelmed with managing her own finances, especially when it comes to long-term financial planning decisions. There is a lot to consider, and the emotional upheaval makes it difficult to focus on formulating a long-term financial strategy.
At age 70, Elizabeth's life expectancy is about 16 years. Planning for her long-term financial security is paramount to her. She hopes to continue living the same financial lifestyle she has become used to and is concerned about outliving her assets.
Elizabeth's risk tolerance is on the conservative side, but she realizes that she needs enough growth from her investments to keep pace with inflation. She is seeking a fee-only independent financial advisor who does not charge commissions and does not sell financial products.
Primary Financial Concerns
01A plan for her investment accounts to provide consistent cash distributions to support her financial needs throughout her life, including an asset allocation strategy to support this goal.
02Working with an independent advisor who holds themselves to a strict Fiduciary Standard — putting Elizabeth's financial interests above the advisor's at all times.
03Access to a financial advisor with expertise in both investments and tax planning, so that investment decisions and their tax implications can be considered together.
Considering a Disciplined Approach
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