Example Client Profiles
Miranda
Successful Single Professional
Miranda experiences a major career milestone as she attains the role of Captain with a major airline at age forty‑seven. Her income rises from $220,000 per year as a First Officer to $400,000 per year as a Captain. Additionally, Miranda receives an Air Force Pension of $70,000 per year from her time as an A-10 pilot. Her employer offers a generous 18% match to her 401(k), with spillover contributions directed into several deferred compensation programs. The airline offers a market-based cash balance pension plan as well. Miranda never married, but she cares deeply about family and charitable causes.
Since her schedule remains demanding, and the growing complexity of Miranda’s employer benefits creates a maze of financial decisions, Miranda knows she needs a fee-only advisory partner. She seeks clarity with respect to the most tax‑efficient path for long-term savings, progress toward current goals, disciplined investment management, and thoughtful charitable planning. Furthermore, Miranda desires a “Personal CFO” who provides structure, direction, and year‑round guidance. Thus far, Miranda saved $1 million in after-tax accounts, her pension plan has a balance of $200,000, and her 401(k) has a balance of $900,000. While Miranda is saving $15,000 per month, she remains deeply concerned about balancing support for her aging mother and preparing for future college expenses for her young nephew, since her family experiences meaningful financial constraints.
Miranda enters an engagement with Integrity Road Wealth during a period marked by rapid change and growing responsibility. She arrives for her initial visit unsure of how to interpret her full suite of employee benefits, particularly since the pilots’ association contract with the airline is extensive. Through comprehensive financial planning with the Integrity Road Wealth team, she gains clear insight into her options and the potential lifetime tax savings created through strategic coordination of her employer benefits. Moreover, Miranda better understands her capacity for saving and the “why” behind her savings efforts. The team establishes a 529 for her nephew’s college savings.
Miranda gains confidence knowing her personal-CFO team acts with transparency, including a clear explanation of fees for ongoing advice. As she reviews her financial plan with her advisors, she begins to understand a path toward meaningful progress: structured investment management for her savings, a charitable giving strategy aligning with her values, and thoughtful preparation for her nephew’s education and her mother’s future care.
With the new advisory partnership in place, Miranda experiences a growing sense of direction and purpose as she navigates a demanding career, increasing income, and meaningful family care responsibilities.
Marie & John
Affluent Blended Family
Marie is a seasoned CPA transitioning to retirement after leading a successful accounting firm for many years. John is a retired executive at an oil major. John receives significant oil royalties from family interests. Moreover, John maintains an active role in several local non-profit organizations. Both Marie and John are in their early seventies. Marie and John married later in life after experiencing divorce in their forties. Their combined net worth stands near $12 million, and their annual income reaches $1 million consistently. At present, they wish to better navigate Marie’s retirement transition, planning for charitable giving, and care for John’s daughter.
Both John and Marie have children from prior marriages. John expresses deep concern about sustaining the accumulated resources during retirement and supporting his daughter who experiences ongoing mental health challenges. Marie approaches their planning with a generous heart and a strong desire to support both family and community causes. Together, they seek a fee-only advisory team to create structure, clarity, and stability for their retirement planning transition and complex, blended family needs. They desire a financial plan grounded in wise stewardship, ongoing investment management designed to pursue tax efficiency, and a “Personal CFO” who coordinates with their tax professionals and estate planning attorney as they progress into their retirement years.
Integrity Road Wealth guides Marie and John with intentional planning through their retirement transition. The team collaborates with them to design a financial plan which gives clear insight into their progress toward their financial goals and creates a distribution strategy to spend tax efficiently from their accounts. An investment strategy aligning with the financial plan objectives is implemented. Municipal bonds are incorporated into the investment strategy given John’s elevated oil royalties. A thoughtful charitable giving plan, which includes contributing appreciated shares in Marie’s accounting business to a Donor Advised Fund, is pursued to offset the high income of the final earning years. As Marie receives the buyout of her equity in her firm, her charitable objectives fund readily with her business proceeds contributed to the Donor Advised Fund.
As part of their engagement together with Marie and John, the Integrity Road Wealth team evaluates the trusts established for John’s child who faces mental health challenges. Importantly, the team at Integrity Road Wealth coordinates with Marie’s and John’s estate planning attorney to shape an estate plan supporting their family’s long-term legacy planning needs. Through careful collaboration with the estate planning attorney, the team strengthens Marie’s and John’s confidence in the long-term stability of their legacy planning strategy by implementing meaningful updates to their trusts so assets are divided effectively between their respective children.
The advisory partnership with Integrity Road Wealth brings clarity, structure, and peace of mind as Marie and John navigate their financial life more purposefully. John feels more confident in the ability to support his daughter and to fund retirement without depleting assets. Marie is elated by the charitable giving plan, tax-efficient investment strategy, and clear estate design. Both Marie and John feel more confidence about their financial future after engaging with a trusted advisory partner.
Will and Kristina
Working Family with Multigenerational Planning Needs
Will and Kristina stand at the threshold of a new stage in their financial lives. Both are fifty‑five, and their children now live on their own. Their income is rising quickly. Kristina’s income recently rose to $275,000 per year as an engineer with a local oil company, and Will works as an attorney with an annual income near $350,000.
Through Kristina’s employer, she maintains a pension with a present value of $1.5 million, which will prove critical for the retirement planning efforts. Both Will and Kristina contribute to 401(k) plans, hold $500,000 in IRAs, and manage an additional $1 million inside a taxable brokerage account. Will also participates in a phantom equity plan. Kristina expects an inheritance approaching $2 million.
Together, Kristina and Will raised three children. Two are successful professionals in their late twenties, and their daughter Maria, in her mid-twenties, experiences developmental challenges which inhibit her from working. Will and Kristina express concern about a rising tax burden as their assets grow, seek clarity regarding how to secure Maria’s long-term stability, and hope to prepare thoughtfully for their own advanced care needs. They desire that their children will not shoulder the same pressures they once carried for their own parents. Kristina also desires professional guidance for their two older children, who are beginning to form their own understanding of tax‑efficient investing, charitable giving, and healthy cash flow management.
Integrity Road Wealth engages with Kristina and Will during this transitional time in preparation for retirement. The team guides Will and Kristina through an informative pension analysis to determine the optimal option for the lump sum, crafts a comprehensive financial plan which measures their readiness for financial independence, and coordinates the implementation of a tax‑efficient investment strategy inclusive of prudent asset location across all accounts. The team evaluates the suitability of potential Roth Conversions to minimize taxes and reviews available long-term care insurance options in partnership with their insurance agent.
Since Maria’s needs remain central to the family planning efforts, the team introduces options such as an ABLE Account and a special needs trust, engaging Will’s and Kristina’s estate planning attorney to ensure thoughtful implementation. Once the family’s updated estate plan reaches its final form, the team meets with Will's and Kristina’s two older children to provide clear education on the structure of the estate plan, facilitating a family legacy planning discussion.
Through the financial planning process, Will and Kristina gain a stronger sense of direction and stability. They recognize ongoing, fiduciary advisory support remains important. After engaging with the Integrity Road Wealth team, Kristina and Will move forward with confidence as they navigate their financial life on purpose through retirement planning, special needs planning for Maria, and family legacy planning.
The example clients here are based upon real life clients, but key identifying information, names, and other details have been materially altered to protect the identity of the clients.