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Meet Ellen
Solving cash flow needs for a long retirement
Ellen was recently recruited as the CFO of a successful public company. Her new position could allow her to accomplish financial goals she’s never dreamed of, but how would she take full advantage of the possibilities?
Working with our Aspiriant planning team, we recommended Ellen enroll in the deferred RSU plan which enabled her to reach the shareholding requirement using pretax rather than after-tax shares. We then advised her to participate in the deferred compensation plan to the extent that she’d maximize the company match – free money! Last we concluded Ellen didn’t need additional life insurance but did need disability insurance. After comparing the price and tax treatment of different alternatives, our team recommended she decline the company disability benefit and instead purchase third-party insurance.
Over the course of the next five years, we worked with Ellen to diversify her company stock while fully meeting her shareholding requirement. As she built her diversified portfolio, we recommended she drop the disability insurance coverage as it was no longer needed.
With the comprehensive plan developed by our Aspiriant wealth management team, we helped Ellen seize opportunities and avoid potholes on the way to her dream retirement.
Important Disclaimer: This case study is presented as a hypothetical scenario and is intended for illustrative purposes only. It does not represent a specific client’s experience, but rather is meant to provide an example of Aspiriant’s process and methodology. An individual’s experience may vary based on his or her individual circumstances. There can be no assurance that similar results would be achieved in comparable situations. No portion of this case study is to be interpreted as a testimonial or endorsement of Aspiriant, and there is no way to ascertain whether a specific client would have been satisfied with their results.
