Investment Management · 2023
Turning a windfall into security
Widowed client, sixties
Steady
Monthly income
Preserved
Principal
18 mo
Cash reserve
Overview
After an unexpected inheritance and life change, a client needed to convert a large, sudden sum into dependable lifetime income.
The situation
The client had never managed money at this scale and was surrounded by well-meaning but conflicting advice. A single wrong move with the lump sum could have jeopardized decades of security.
Our approach
We built a conservative, income-oriented allocation, established a cash reserve for peace of mind, and created a simple monthly paycheck from the portfolio so day-to-day life felt steady and predictable.
The outcome
The client replaced anxiety with a reliable monthly income, preserved principal through a full market cycle, and gained a plan simple enough to explain to family in a single page.
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