Case Studies

Martha, 80 years old

Recently widowed

Martha wasn’t involved with her finances until losing her husband, Jack, who left a pension and an investment account. Martha initially turned to Jack’s advisor for help. The advisor was dismissive of Martha, rushing through their discussions and using industry jargon that she found confusing. He failed to explain fully what investments she owned and communicated primarily through email. Moreover, because he didn’t adjust her portfolio, Martha lost money due to risky holdings.

It can be very intimidating to take over your finances after years of not being involved, so at Truuwater Financial we dedicate our time to give you a clear understanding of your financial picture. We start with a comprehensive plan that shows how much money you need to meet your needs and remain independent. Leaving no stone unturned, we track down forgotten or unknown accounts and insurance policies so you can feel confident that you are aware of all financial accounts. We also identify the best strategies for Social Security, pensions, and other retirement income as well as make sure you are comfortable with the risk in your portfolio to avoid unexpected losses. You will not be alone with us as your financial partner, no matter what the future brings.

 

John & Beth, 65 & 62 years old

Nearing retirement

After more than 30 years of building a successful practice as an oral surgeon, John felt it was time to enjoy his well-earned retirement. For years, he and his wife Beth dreamed of traveling the world while they were still young. However, Beth had retired a few years earlier to care for John’s mother after a bad fall, which had become a great burden for Beth. With Beth retiring early and John nearing retirement, the couple was concerned that they hadn’t saved enough. Not only did they feel that their dreams were dashed, but they were concerned about everyday expenses, especially in the event one or both of them needed extensive care later in life.

At Truuwater Financial, our aim is to make you feel powerful over your finances. We start with a retirement plan to show exactly how much you’ll need for a comfortable retirement and walk you through creative strategies for achieving your unique goals. We challenge you to dream big and envision what you truly desire for your future. We provide access to trusted individuals in the caregiving space who can design a care plan perfectly tailored to your family’s needs, and we guide you through insurance and legal documents for your future care needs. We also work with you to make sure you are comfortable with the risk in your portfolio to avoid unexpected losses along the way. You can have confidence that you are prepared for retirement and can live up to your fullest potential, including fulfilling those big dreams.

 

Frank & Annie, 49 & 47 years old

Small business owners ready to sell

Frank and Annie owned a successful company designing custom yachts. Over the years, they reinvested any savings into the business, and as a result, it became profitable enough that a competitor offered to buy it for 5 x EBITDA. The couple was ready to sell but had many concerns, including how to manage the large influx of money after the sale, how much to spend in retirement, and how to mitigate taxes. Annie was also wary of investing in the stock market after losing most of her 401(k) during the Great Recession.

We have helped many clients manage the sale of their businesses. We begin with a detailed plan with multiple scenarios that illustrates exactly how much is needed, after-tax, to secure your retirement, giving you confidence in negotiating an offer. We work with well-known business attorneys and CPAs to review offers, remove clauses that expose you to future liability, and identify strategies to mitigate taxes. We then use the latest technology to design a transparent investment allocation with enough equity exposure to meet your needs but less risk than the stock market to make you feel comfortable. With our help, you can be certain that you are making sound business decisions and are in control of your finances.

 

Brian, 30 years old

Successful corporate executive

Brian is a successful executive at a local pharmaceutical company. While he has been self-directing his finances for years, a recent promotion that included stock option grants made him realize that it was time for help. He wanted to buy his first home but was concerned that the student loans from his MBA would keep him from being approved for a mortgage. He also wanted to give back to his community in a meaningful way. Brian wanted a wealth management team with personalized service, reasonable and transparent fees, and solutions to his financial needs.

Our passion is helping you get organized and on the path of success. We use the latest technology to design a portfolio that matches your risk tolerance, allowing you to feel in control through the ups and downs of market cycles. We charge a single transparent fee with no hidden commissions, so you always know what you are paying. We offer comprehensive financial planning that addresses every area of your wealth, such as mitigating taxes while diversifying out of company stock options, making annual gifts to charity in a meaningful and tax-smart way, paying down debt, and saving for a first home or other major purchase. In all of these areas, we aim to give not only peace of mind as you prepare for and reach your unique goals, but also inspire excitement about your future.

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Truuwater Financial

833-777-TRUU

Truuwater Financial
12340 El Camino Real, Suite 310
San Diego, CA 92130

Investment advisor offered through Stratos Wealth Partners, LLC, as registered investment advisor. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

©Truuwater Financial 2018.  All rights reserved

Truuwater Financial

Truuwater Financial  |  12340 El Camino Real  |  Suite 310  |  San Diego, CA 92130  |  833-777-TRUU

Investment advisor offered through Stratos Wealth Partners, Ltd, as registered investment advisor. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

©Truuwater Financial 2018.  All rights reserved