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Meet John & Michelle

Nearing retirement
54 & 56 years old

older couple nearing retirement

John & Michelle’s Story

Nearing retirement, John and Michelle are looking for a trusted fiduciary advisor who can look at their current financial situation and help guide them to a next step (whether it be a new career or retirement) and build a portfolio that reflects their goals and attitudes towards risk and reward.

If you find something in common with John and Michelle’s story, let’s talk. Tap the Get started button below to connect.

What Can Dinergy Do for John & Michelle?

Planning

John & Michelle are facing an important transition in their lives and, in today’s world, it’s likely they’re not fully in control of the schedule. We’ll help them create (and regularly update) a holistic financial plan including the potential role (and timing) of Social Security benefits they may have earned throughout their careers. We know financial uncertainty is one of the major stress points to consider with any life change like retirement or job change and whether it’s John or his company that decides the timing, a financial plan will ease the transition.

Investing

With John & Michelle’s goals and risk preference in mind, we’ll develop an investment portfolio tailored for their specific needs, converting their 401k programs to IRAs as appropriate and exploring potential opportunities that may exist to reduce the tax burden on their retirement savings.

Insurance

We’ll review John & Michelle’s insurance portfolio to ensure it’s up-to-date with their current financial goals and has the flexibility to transition with them if that’s important to their plan going forward. Depending on their risk preference going forward, we’ll also explore what role annuities and guaranteed income solutions may play in helping them create a secure financial future.

“We believe many in this business outsource investment decisions to far away, inaccessible organizations unable (or unwilling) to provide personal perspective on their decisions. We wanted a firm that has the skills and talents to make investment decisions in-house, giving clients the opportunity to have direct conversations with the people who are making the daily decisions about their investment portfolios. No exceptions.”