Case StudiesCASE STUDY #1Client Profile: A widowed woman with a need for advice on a significant legacy portfolio. She had never managed her own portfolio, and assets were spread across a number of financial institutions. Finlay Group Approach: Work closely with her accountant and attorney to consolidate assets under one roof. Simplify her financial affairs, step up cost basis, and properly register each asset in the appropriate accounts to minimize the tax impact. Restructure portfolio from a growth bias to a more conservative mix, appropriate for a single woman with income needs. CASE STUDY #2Client Profile: A 67-year-old woman with concentrated positions in a small number of inherited stocks Finlay Group Approach: Work to diversify her holdings across a selection of active equity managers to minimize risk and manage tax impact upon disposition. Reconfigure portfolio to provide a stable monthly income check while also generating growth. Create a philanthropic plan using donor-advised funds, crafting a five-year gifting and major funds need calendar for planning purposes, and build a fixed-income maturity ladder to meet future objectives. Generate a monthly income from portfolio earnings which would provide financial independence as well as a travel budget to enable her to see the world. CASE STUDY #3Client Profile: A retired CEO of a public company seeking to diversify a concentrated stock position Finlay Group Approach: Use a tax-efficient disposition plan and create a proposal encompassing multiple money managers, each with a specialty, in addition to developing a diversified municipal bond portfolio for tax-free income. Increase his portfolio cash flow, and transfer a fixed monthly amount to his local bank checking account to cover living expenses. CASE STUDY #4Client Profile: A young woman in her twenties with inherited assets in a concentrated position. Interest in purchasing and rehabilitating real estate. Finlay Group Approach: Diversify assets away from a single stock position into multiple equity managers, and provide lending referrals for mortgages and lines of credit. Work closely with client’s tax accountant and bookkeeper in order to help achieve her financial goals.
CASE STUDY #5Client Profile: A young professional couple with high annual income and a desire to save for retirement with limited but growing resources Finlay Group Approach: Create a customized plan for retirement saving, establish 529 plans for their children’s college education, discuss a timeframe for purchasing and financing a vacation home, and consult on saving for a larger primary home for their growing family. CASE STUDY #6Client Profile: The trustee of a living trust designed to help generate income for an elderly sibling living within a life-care facility Finlay Group Approach: Properly register assets for estate investment planning/asset preservation purposes and restructure the portfolio to be appropriate for an investor who has a low risk tolerance, requires monthly distributions as well as regular contact with the trustee. The Finlay Group Approaches discussed may not be suitable for your personal situation, even if it is similar to the example presented. Investors should make their own decisions based on their specific investment objectives and financial circumstances. It should not be assumed that the approach discussed in these situations achieved any of the goals mentioned. These examples are hypothetical and do not represent any specific investments or strategies. |
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