Education Funding Strategy

Challenge

The client faced competing priorities—maintaining lifestyle spending, supporting family members, and preserving capital for a 30+ year retirement horizon. Accounts were spread across multiple custodians with inconsistent allocation and overlapping fees.

Approach

We consolidated statements, built a unified net-worth model, and stress-tested withdrawal rates against inflation and market scenarios. Recommendations included revised asset allocation, tax-aware withdrawal sequencing, and updated beneficiary designations.

Outcome

The client gained a single planning dashboard, reduced annual fund expenses, and established a documented investment policy. Quarterly reviews track progress against spending targets and rebalance triggers.

This case study is a hypothetical composite for educational purposes. Results vary; past performance does not guarantee future outcomes.

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