CASE STUDY
At age 43, this high-income professional discovered a projected six-figure retirement income gap and wanted to explore strategies designed to maximize the next 15 years before retirement.
At age 43, this high-income professional discovered a projected retirement income shortfall of approximately $100,000 per year based on their desired retirement lifestyle.
While they had accumulated meaningful assets and consistently saved for retirement, traditional contribution limits alone were unlikely to close the gap. With approximately 15 years until retirement, the goal was to identify opportunities to accelerate retirement accumulation, improve income efficiency, and strengthen long-term retirement readiness.
Following a comprehensive review of the client’s financial picture, several planning opportunities emerged.
One area explored was a bank-financed retirement strategy designed to help high-income professionals enhance long-term accumulation by combining personal contributions with institutional capital. The objective was to potentially create additional retirement income sources while maximizing the client’s remaining working years.
As part of a broader retirement plan, discussions also included tax diversification, portfolio alignment, risk management, and retirement income planning. The strategy was not intended to replace traditional retirement planning, but rather serve as one component of a more comprehensive retirement roadmap.
The client gained access to strategies designed to increase retirement accumulation opportunities beyond traditional contribution limits.
The planning process identified opportunities capable of helping address the projected income shortfall while maintaining alignment with long-term goals.
Most importantly, the client gained clarity around available options and a roadmap designed to help improve retirement readiness over the following 15 years.
“Many professionals assume retirement planning is something you revisit five years before retirement.
In reality, the most powerful planning opportunities often exist 10 to 20 years before you ever leave the workforce.”
Partner, M&M Wealth Associates
Many individuals approaching retirement discover gaps, risks, or inefficiencies they didn’t know existed. The earlier these issues are identified, the more planning opportunities may be available.
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