Planning in Retirement - Planning at Retirement Case Study

JACK (64) & REBECCA (60)


Jack and Rebecca recently retired in West Los Angeles, CA. While they are enjoying peace of mind in their everyday lives, they lack financial peace of mind. There are many questions they want answers on how to best plan their future.

They have a desire to organize their financial plan and make sure they won’t run out of money. Jack and Rebecca also share concerns when considering long-term care, ensuring their investments appropriate for retirement, and finding ways to maximize assets while limiting taxes.

They also are unsure if they prefer to live in southern California, or move elsewhere.


Jack and Rebecca have adult children raising families of their own in the Austin, TX metro area. It is important to Jack and Rebecca to spend retirement years making memories with their family.

Jack and Rebecca are currently in the last month of their company’s health care plan and need to make decisions for healthcare prior to reaching Medicare.

Jack and Rebecca wish to give back to organizations that help take care of their community. 

Jack and Rebecca’s retirement funds include their living trust, 401(k)s, IRAs, and Jack’s company pension plan.

Jack and Rebecca need help determining when to start Social Security. While some of their friends claimed Social Security at age 62, Jack and Rebecca recently learned that only 4% of retirees claim Social Security at the financially optimal time1.

With retirement just beginning, Jack and Rebecca are not sure which decisions are best to make. They value peace of mind from a fiduciary financial advisor.


Jack and Rebecca weren’t sure where to start, so they reached out to Safe Landing Financial (SLF) for a complimentary introduction meeting to plan during retirement. As a trusted advisor, SLF starts every new relationship by asking questions and listening to understand their unique financial situation. Here is how SLF helped Jack and Rebecca reach financial peace of mind.


SLF provides Jack and Rebecca with confidence in reaching their goals from visualizing and having conversations regarding their customized financial plan. 

Here are some ways SLF helps Jack and Rebecca to reach their financial goals:

  • SLF compiles information for retirement and investment accounts held at multiple firms and consolidates accounts.
  • SLF stress-tests scenarios for living in southern California vs. the Austin, Texas area. SLF helps illustrate different considerations for how to approach Jack’s pension. SLF shows how to consider tax-efficient retirement income and ensure a high probability of success for funds lasting throughout Jack and Rebecca’s lifetime. 
  • SLF determines an appropriate investment strategy based on Jack and Rebecca’s financial goals and risk tolerance. Investment fees have been reduced with SLF now managing investments. Jack and Rebecca now have an asset allocation and rebalancing strategy tracking to their goals.
  • SLF minimizes their taxes by evaluating Jack’s pension, Roth conversions, charitable contributions, Social Security, and retirement income distribution.
  • SLF works directly with Jack and Rebecca’s CPA, estate planning attorney and insurance agent. By holding an open line of communication, SLF stays aware of changes to laws and helps to fill any potential planning gaps to make sure they’re taken care of.
  • SLF helps Jack and Rebecca find an appropriate long-term care strategy to make sure their quality of life and hard-earned financial assets is protected. Jack and Rebecca are thankful they won’t need to ask their adult children to help take care of them later in life.
  • SLF helps Jack and Rebecca strategize their healthcare strategy to get to Medicare and beyond.

Jack and Rebecca have financial peace of mind knowing their financial plan is organized. They can enjoy their lifestyle without worrying about funds running out.


A complimentary 4-step process sharing how to minimize
taxes, optimize investments, and enjoy retirement on your terms.

This process is designed to help you evaluate our services
and make an informed choice for planning your financial future.


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Disclosure: The above planning in retirement case study is hypothetical and does not involve an actual Safe Landing Financial client. No part of this content should be taken as a guarantee that their household will experience similar results if Safe Landing Financial is chosen to provide financial planning services.

1: https://unitedincome.capitalone.com/library/the-retirement-solution-hiding-in-plain-sight

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