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Examples of How Our Financial Planning Advice May Help Clients - Pinnacle Investment Management, Inc.

Examples of How Our Financial Planning Advice May Help Clients

August 21, 2014 / Article, Financial Planning

These examples are based on actual situations but may be a composite of several different clients or a simplification of a more complex situation.

Social Security Strategy
A dual income married couple wondered about when they should apply for Social Security. We recommended that the lower paid spouse take spousal benefits at age 66 and switch to their own benefits at age 70 while the higher paid spouse delay their own benefits until age 70. This strategy allowed both spouses to build their benefits and take the maximum Social Security, which helps ensure that they will not outlive their money.

Choosing a Plan in a Life Care Retirement Community
A married couple was considering which one of several complicated financial plans they should choose upon entering a life care retirement community. We helped them analyze the costs over an extended period of time to help them select the one that was most cost effective for them.

A self employed individual with a high tax bill
An individual had more than sufficient income for their living expenses and wanted to reduce or defer taxes as much as possible. We recommended a defined benefit retirement plan which allowed them to add over $100,000 to their retirement plan each year and deduct the same amount from their taxable income.

Tax Strategy for Retiring Couple
A married couple who retired early wanted to find the most tax efficient method for taking withdrawals from their IRAs and 401K’s as well as recognizing capital gains from their investment portfolio. We reviewed their projected tax liability over a ten year time horizon and recommend that they accelerate IRA and 401K withdrawals and recognize capital gains while they could so at relatively low tax rates before they were required to take minimum IRA distributions and Social Security.

Low Cost Employer Stock
An individual was retiring with a large amount of low cost employer stock in their 401K plan. We recommended that they use an IRS approved “net unrealized appreciation” (NUA) strategy to withdraw the stock from their plan and pay ordinary income tax on only the original cost of the stock. When they eventually sell the stock they will pay tax at the relatively low capital gains rate rather than ordinary income tax rate.

Asset Location
A couple who had both retirement accounts and taxable accounts desired to optimize their taxes. We developed a strategy for specific investment allocation to keep the most tax efficient investments (equities) primarily in their taxable accounts and the least tax efficient investments (primarily fixed income) in their IRA’s and 401K retirement accounts.


About the author

John Eckel: CFP®, CFA is President of Pinnacle Investment Management Inc. of Simsbury. He has been included in BusinessWeek.com’s list of the Most Experienced Independent Financial Advisors, has been named four times to Worth Magazine’s list of Top Financial Advisors, included twice in Medical Economics list of Top Financial Advisors for Doctors and named twice in JK Lasers list of Top Professional Advisors for Baby Boomers.


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