CASE STUDY 03
David & Ana
Age: 58 & 55
Stage: Successful professionals entering retirement planning years while caring for family.
Primary Goal: Balance caregiving responsibilities with planning for their own retirement and legacy.
✦ Their Story
David and Ana are both thriving in their careers. David works in healthcare, and Ana runs a small business. Their combined income is strong, and they’ve built solid retirement savings. They love gathering their family for Sunday dinners, but beneath the joy of those moments, the weight of competing responsibilities is never far away.
Life has grown more complicated:
They are supporting their youngest child through graduate school.
Ana’s mother has recently moved in, requiring both financial support and daily caregiving.
Ana’s business demands time and energy, but she hasn’t put a clear retirement plan in place for herself.
They wonder if their resources can stretch far enough to care for family today and still fund the retirement they envision. And in quieter moments, the questions linger: Are we saving enough to cover everything? Will our money truly last? And when the time comes, how do we make sure what we’ve built goes to our kids — without too much lost to taxes?
✦ Our Partnership
David and Ana didn’t just need investment advice. They needed a holistic plan that integrated family dynamics, caregiving, business planning, and their retirement goals. And like many busy professionals, they didn’t want to get bogged down trying to figure everything out on their own. Together, we:
Analyzed their current savings and projected future retirement income.
Created a cash flow strategy that supported graduate school tuition while maintaining retirement contributions.
Evaluated and recommended retirement plan options for Ana’s business.
Explored strategies to help them manage caregiving expenses for Ana’s mother alongside their other priorities.
Stress-tested their retirement plan against different scenarios (health costs, longevity, market downturns).
Created an estate planning roadmap in collaboration with their attorney, focused on tax-efficient wealth transfer.
✦ Their Results
David and Ana now have:
Guidance on how to prioritize competing financial goals without sacrificing their own future.
A sustainable caregiving budget that reduces the stress of daily decisions.
A diversified, tax-efficient investment strategy implemented with lower-cost funds and designed with an asset allocation that supports both their retirement income needs and long-term family goals.
A business retirement plan for Ana that strengthens her personal savings while providing current tax advantages.
Peace of mind in their estate and legacy roadmap, structured to support tax-efficient wealth transfer to their children and eventual grandchildren.
For the first time in years, they feel confident planning both for today and tomorrow. Their financial life is no longer fragmented. It is aligned, intentional, and supportive of the family they love.
Disclaimer: The above case study is hypothetical and does not involve an actual Innermost Wealth Management, LLC client. It is presented for illustrative and educational purposes only and is not intended to guarantee or predict future outcomes. No portion of this content should be construed as a guarantee that any current or prospective client will experience the same or similar results, or level of satisfaction, if Innermost Wealth Management, LLC is engaged to provide investment advisory services. Actual client outcomes will vary.
Balancing family responsibilities with your own future isn’t easy. Let’s build a plan that supports both.
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