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Business Owner - Late Stage Planning


Business owner , age 65 has recently sold busines.s Has lump sum after taxes of""' $700,000

Have total of $1,100,000to be his retirement with no more contr ibutions.


Retirement is to start now and needs to  last at least 20 years.


Utilize multiple asset classes so that investments participate in different scenarios, not all the same. Prov ide  flexibility to make changes without incurring penalty for change.

Employ tax deferred, taxable and never taxed again asset bucket s. Install private pension and flexible retirement benefit programs.


 Asset Management:

Utilize two asset management programs (IRA and taxable investment s)

  • Strategic- investment manager managed program based on owner's investment profile (risk assessment). Focus is on allocation where being in the market is long term more favorable than timing.
  • Tactical management - asset management program that has 4  recommended components, from aggressive to conservative in  different  percentages.  Some program are tracking leaders, others  are  in/out  depending  on  up/down  market  perspective. Goal is to NOT be relational to general market (S&P 500) movement.


Utilize annuity with income rider option.

Rider provides guarantee of growth for income stream purposes.

Income stream is private pension in that once started will continue as long owner is alive. Investment selections include: portfolio models, investment sectors, alternative concepts and combinations thereof.


Asset Management

  • Strategic $350,000
  • Tactical $350 ,000

Annuity $400,000


At age 66, begin SS @ $36 K, withdrawals from asset management @ $60K IRA and $55K taxable investment.

At age 75, SS $36K, IRA@ $45K, lower investment account to $15K, turn on annuity to $40K (min) $49 K.

This is a hypothetical example and is not representative of any specific sit uation. Your result s will vary.

Tactical allocation may involve more frequent buying and selling of assets and will tend to general higher transaction cost. Investors should consider the tax consequences of moving positions more frequently.

Riders are additional guarantee options that are available to an annuity or insurance contract holder. While some riders are part of an existing contract, many other may carry additional fees, charges and restrictions, and the policy holder should review their contract carefully before purchasing. Guarantees are based on the claims paying ability of the issuing insurance company.

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