1. Case Study: Finding Income in a Low Interest Rate Environment
Stuart: Good afternoon, and thank you all for attending.
Presented By:
Dana Rhodes
NFP Advisor Services Group
ACR#88576

2. The hypothetical case studies are for illustrative purposes only and should not be deemed a representation of past or future results. These examples do not represent any specific product, nor do they reflect sales charges or other expenses that may be required for some investments. No representation is made as to the accurateness of the analysis. This submission is approved on this condition.

3. Advisory & Investment Services Consulting
AIS Consulting empowers advisors and their offices to efficiently research new product solutions, create holistic portfolio recommendations and leverage practice management technology.
Point of sale support
Competitive insight
Case design & analysis
Proposal generation
Implementation strategies
NFP tools and resources navigation

4. Case Study #1 Client Profile Sex: Male Age: 58 Spouse’s Age: 55
Risk Tolerance: Moderately Conservative
Net Worth: $1.5 million
Annual Salary: $150,000
Liquid Assets: $1.25 million
After market volatility, the client moved his entire portfolio to cash. He would like to retire in 10 years so he’s concerned with growing his nest egg conservatively and generating a sustainable income in 10 years at retirement.

5. Case Study #2 Client Profile Sex: Male Age: 55 Spouse’s Age: 54
Risk Tolerance: Moderate
Net Worth: $2 million
Annual Salary: $200,000 joint ($125,000 single)
Liquid Assets: $1 million
The client’s wife is recovering from a debilitating car accident that has left her in need of in-home care. He and his wife were not planning to retire for another 10+ years, but they now find themselves in a situation requiring more monthly income on one salary instead of two.

6. Case Study #3 Client Profile Sex: Female Age: 45
Marital Status: recently widowed
Children: 18 and 20 years old
Risk Tolerance: Moderate
Net Worth: $2 million
Annual Salary: non-working
Liquid Assets: $2 million life insurance proceeds from husband
The client’s husband recently passed away. She has not been employed since before her children were born. Her oldest child is in college and the youngest just started college this fall. She inherited a $2MM life insurance death benefit, but is now concerned with maintaining her lifestyle, funding her children’s education and having a sustainable lifetime income.

7. Case Study #4 Client Profile Sex: Male Age: 70 Spouse’s Age: 57
Risk Tolerance: Conservative
Net Worth: $2.5 million
Annual Salary: retired
Liquid Assets: $600,000 qualified | $400,000 nonqualified
The client needs to take RMDs and generate enough income to live comfortably off of his qualified assets since he doesn’t have a pension. He also wants to leave a legacy for his wife. Unfortunately, he’s uninsurable so life insurance is not an option for him.

8. Questions

9. Thank you!