Case studies
Three situations, worked end to end
These are illustrative examples rather than clients. Each one shows the questions we work through in a Findings meeting, and the order we take them in. The situations are constructed and the figures are rounded.
The examples shown are illustrative and do not represent any actual client. The situations are constructed, and the figures are rounded and chosen for illustration. They are not a projection, a recommendation, or an indication of results any client did receive or should expect to receive. Individual circumstances vary, tax rules change, and the analysis appropriate to one situation will not apply to another. Financial North Partners and NewEdge Advisors do not provide tax, legal, or accounting advice. You should consult your own tax, legal, and accounting professionals before making decisions based on the strategies discussed.
Hypothetical case study
Staying in California with $2 million in an IRA
A paid-off house, $3 million invested, and two adult children. The open question was never whether the money would last.
It was how much of it would reach the children, and what staying in California costs along the way.
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Hypothetical case study
Planning around an inheritance that may never arrive
Both 60, with $2.5 million invested and plans to spend the next decade living in different cities while their health allows it.
An expected inheritance complicated it, because planning around money that may not come is its own decision.
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Hypothetical case study
Unwinding a position that is half the portfolio
At 55, recently out of a business he sold, with $12 million invested and more than half of it sitting in a single stock.
Diversifying meant realizing gains on a very low basis, so the question was over how many years rather than whether.
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