Samantha
AGE: 53
Primary Goals:
  • Retire at 57
  • Optimize her stock options
  • Mitigate taxes
  • Get more time back in her day

Samantha works long days as an executive with a large pharmaceutical firm. She loves what she does but is starting to feel burnt out.

Her work is impactful. She would prefer to retire from the corporate world and lend her talents to the non-profit sector in a volunteer role.

Her Concerns

For Samantha, overcoming major financial mistakes isn’t an issue. She’s worked hard and has done the right things.

It’s about where her focus and expertise should be. Her finances are buttoned up well but she admits that she doesn’t know what she doesn’t know. She’s open to suggestions.

What’s needed most is someone to help share the load and navigate the next few years to an early retirement. Specifically, Samantha wants help with:

  • Mitigating taxes. Her income places her in the top marginal tax bracket every year.
  • Managing the sizable stock options she receives as part of her compensation package.
  • Ensuring she makes the most of her company benefits.
  • Reducing her stress levels
  • Getting more time back in her day.

The Solution

Samantha started with a short call to lay out her concerns and desires. She sent her planner all her pertinent info as well as the spreadsheets she used to track her progress and monitor her investments.

She is busy. The mere act of sending over the documents helped her feel like a weight was lifting from her shoulders.

The Outcome

She held a follow up meeting with her planner. Together, they created a series of action items that the planner would take on her behalf and other that Samantha would follow through on. By the end of the planning process, Samantha had:

  • Reduced her investment costs
  • Optimized the risk/return profile of her portfolio
  • Formalized a quarterly rebalancing strategy
  • Created a tax-efficient withdrawal strategy for retirement before age 59.5
  • Paired exercising stock options with her deferred compensation plan to offset taxes and reduce single stock risk.

She’s thrilled with the results. Her financial outlook has improved, her stress level is lower, and she gained more time in her day.

She’s also adopted a financial hub that allows her to see all of her accounts in a single place. It’s a big time saver.

REGULATORY DISCLOSURE

Carmichael Hill & Associates, Inc. is a U.S. Securities and Exchange Commission Registered Investment Advisory firm. Registration does not imply that the SEC has endorsed or approved the qualifications of Carmichael Hill or its respective representatives to provide any advisory services. Advisor does not render or offer to render personalized investment advice or financial planning advice through this medium. Advice can only be given after:

  1. Delivery of a disclosure statement by advisor to client.
  2. Execution of our Investment Advisory Agreement between the client and the advisor.
  3. Initial payment of the planning fee or investment advisory fee by the client to the advisor.
  4. Advisor will not solicit or accept business in any state in which she or he is not properly registered or otherwise qualified to conduct business by virtue of a state “de minimis” exemption.
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The information in this web site is based on data gathered from what the Advisor believes are reliable sources. It is not guaranteed as to accuracy, and does not purport to be complete and is not intended as the primary basis for investment decisions. It should also not be construed as advice meeting the particular investment needs of any investor. The identification of specific funds and model portfolios is being made on the assumption that the investor would participate in that investment or portfolio on a long-term basis and only after consulting with their investment advisor to determine their needs and tolerance for risk. With respect to any such identification, there can be no assurance that the fund or model portfolio will in fact perform in the manner suggested.

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All references that might be made to an investment or portfolio’s performance are based on historical data and one should not assume that this performance will continue in the future.

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