Client Needs:

• Executive realized a significant decline in net worth due to a decline in the value of employer's stock price. They were facing a lengthy delay in target retirement date as well as the prospect of a modest lifestyle in retirement.
• Sought investment growth and portfolio rebalancing to diversify assets and protect wealth from further downside risk.
• Wanted to find a new trusted advisor to help realize financial goals.

Cooke Financial Group Value Added:

• Portfolio was reconstructed to better aligned with the client's retirement timeline and lifestyle needs.
• Advised on how to handle stock options, including the timing and manner in which to exercise them.
• Managed their concentrated stock position and established a periodic liquidation strategy that was compliant with company and SEC policies.

Client Needs:

• Professional athlete acknowledged the unpredictability of their future income stream given the nature of professional sports and risk of injury.
• Sought advice on how to make his contract last through retirement.
• Wanted to analyze how much he could spend per year, as well as the effect of purchasing homes, cars, etc. on the likelihood of his money lasting through retirement.

Cooke Financial Group Value Added:

• Built out a Monte Carlo analysis, which helps to test an individual retirement plan's viability against a range of market environments and investment outcomes.
• Reviewed various levels of annual spend, home values, and various levels of future income to give the client better insight around his long-term financial wellbeing.
• Constructed a high growth portfolio given the client's age and maximized retirement accounts for added tax-advantage in their portfolio.

Client Needs:

• Family with substantial net worth wanted to stretch their wealth among multiple generations and give back to the community.
• Sought to maximize the transfer of wealth to descendants and charity while minimizing taxes.
• Former advisor did not have extensive tax, trust and estate planning knowledge, and client's level of wealth required a more wholistic, family office approach.

Cooke Financial Group Value Added:

• Worked closely with the family's attorney and CPA to develop a new trust and estate plan, including both family and charitable trusts.
• Utilized annual exclusion gifts and lifetime exemption gifts to transfer wealth to the next generation tax-free.
• Positioned the parent's trusts conservatively, in line with their risk tolerance, and allocated the assets in the children's trusts for growth potential.