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These real-life examples highlight how our clients benefited from customized recommendations and implementation.
Jenny, who recenty had retired, came to us with a portfolio of 25 equity positions that had not been actively managed.
The positions had accumulated over 25+ years, and each had an extremely low-cost basis.
RB Capital Management reviewed the portfolio holdings and made recommendations on reallocating assets and rebalancing the risk profile to better protect the portfolio from uncertain market volatility.
We demonstrated to Jenny how the portfolio could potentially be restructured through the use of proprietary hedging strategies and by adding additional asset classes that had low correlation to the core portfolio holdings to generate higher income without incurring any tax consequences.
RB Capital Management was ultimately hired as the portfolio’s subadvisor.
We implemented all of our recommendations, minimizing the tax impact, producing additional income, and established the legacy plan that Jenny had hoped for.
In a short period of time, RB Capital Management had transitioned and restructured the portfolio and optimized the risk/return tradeoff factors.
ANALYSIS OF CLIENT NEED
Meredith, an early-stage retiree (and formerly a management consultant) was financially independent and had a conservative investment profile.
She was single and had designated her two nieces as the beneficiaries of her IRAs.
Meredith wanted to revisit her investment portfolio and obtain additional tax-planning advice.
We implemented multiple years of Roth conversions and advised Meredith how much to convert each year.
This planning helped create a Roth IRA that is classified as “excess assets” and preserved for the benefit of Meredith’s two nieces.
The conversions all took place prior to the start of required minimum distributions from her traditional IRA.
RB Capital minimized the tax impact and during the years of conversion Meredith paid off the mortgage on her primary residence.
We also helped Meredith purchase a 15-year term life insurance policy for her niece’s husband, for which she’ll pay the annual premium and create peace of mind for the future.
ANALYSIS OF CLIENT NEED
Richard and Helen are successful business owners who needed to review their retirement plans and make decisions about their closely-held family business.
They had a number of concerns about the timing of their decision to sell the business and potential tax ramifications.
They wanted to ensure their savings outside the business were sufficient enough to retire on should they decide to sell later on.
RB Capital helped sort through the many decisions Richard and Helen faced and developed a plan to consolidate all their retirement assets.
RB Capital worked with the couple to anticipate quality of life and spending needs in retirement. A revised investment plan was created to incorporate their risk tolerance levels.
The couple’s retirement assets were quickly and successfully consolidated.
RB Capital prepared a new portfolio risk analysis to better absorb downside market volatility.
The clients have peace of mind that their decisions were carefully analyzed and their future plans are more secure.
ANALYSIS OF CLIENT NEED
Louise is an elderly retired schoolteacher who wanted to consolidate her assets and asked RB Capital for assistance.
RB Capital and Louise discovered she had multiple accounts and found many uncashed checks and stock certificates in her home files.
Working together, they begin the process of consolidating all of Louise’s assets.
RB Capital helped sort through the many accounts Louise had opened over the years, and then developed a plan to consolidate her assets, which included multiple visits to her home.
RB Capital worked with Louise to have most of the stale dated checks and stock certificates reissued.
90% of Louise’s assets were successfully consolidated in the first year.
RB Capital is helping track down and recover the remainder of the lost assets.
Louise now has one account and receives monthly income distributions directly deposited to her bank account.
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