Case Studies 2018-01-03T17:15:04+00:00

Case Studies

Learn how these clients leveraged our knowledge to get results.


26, Single, Teacher

Heather had been subbing for various schools districts in the Buffalo area, but finally got a full time position at Depew UFSD making $40,000 a year. She wanted to start saving for retirement while also saving for her first house. She also had accumulated over $40,000 in student loans.

The results:

Spent time organizing her finances and putting together a game plan for every day spending, debt repayment and saving.

Discussed and compared what account she should use to save for retirement (403b versus Roth IRA).

Reviewed her outstanding debits and put a payoff plan in place.

Established what goals she wants to achieve in the next five years and how to go about paying for them.

Bill and Rebecca

35, Married, 2 Kids (4 and 2)

Bill and Rebecca are two busy parents of a 4 year old boy Josh and a 2 year old girl Madison. Bill works at Ingram Micro and Ashley took 3 years off to be with the kids, but heading back to Ken-Ton where she is a 3rd grade teacher. They realized that life has gotten in the way and they have not been able to manage their finances at all. They know they need life insurance, but don’t know where to start. They have 3 different retirement accounts and would also like to start saving for college for Josh and Madison.

The results:

Examined their current spending and highlighted where they could save a little more now, but with some big increases next year when Josh goes to school and even more when Madison is out of daycare.

Changed their retirement savings strategy so they would get more “bang for their buck.”

Reviewed their employee benefits to see what life insurance coverage their employer currently provides and then compare that to their total life insurance needs. Any gaps would be addressed by looking into personal life insurance and trying to find them the best coverage that fit their needs for the lowest cost.

Started saving for Josh and Madison’s college.

Discussed what Estate Planning documents should exist now that they were growing a family.

Jeff and Debra

57, Married, looking to retire in next 5 years

Jeff and Debra are getting close to retirement and wanted to see where they were at and wanted to put together a game plan for the transition. Jeff owns his own business and Debra works at a small non-profit. They had over 15 different financial accounts to be used for retirement. They were unsure of what life insurance coverages they still needed and what they should drop. They also weren’t sure how much cash they should keep in the bank and wondered where was the best place to keep that cash to earn the highest interest without taking any risk.

The results:

Put a step-by-step plan in place for health insurance, as they plan on retiring before they will be eligible for Medicare.

We recommended changes to their insurance policies that lowered their annual costs.

Made a “bucket-list” of things they will want to achieve in retirement and see if they could afford all this things.

Discussed the approaches they could take with their investments given the fact they may not need the money, and how they may want to manage these funds.

We also figured out a smart Social Security claiming strategy that could make a huge difference.

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The above case studies are designed to provide a general representation of the types of services provided. The studies are a hypothetical examples only and are not indicative of recommendations made to any specific client.

There is no assurance that the techniques and strategies shown are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to affect some of the strategies.  Investing involves risks including possible loss of principal.