MENU

Client Scenarios

The Word Is Out On How Zack's Investment Turned The Tide

Scott and Anna

  1. Financial Situation

    • Married couple, both age 65
    • Have $1,000,000 in retirement assets (IRAs, 401(k)s)
    • Have $250,000 in taxable assets
    • Ready to retire in 2 years, but do not need cash flows until age 70 because of other savings
    • Seeking long-term growth, are both in good health with longevity in the family (life expectancy = 90 years old)
    • Conservative risk tolerance Scott and Anna have a lot of equity investment experience, but they want a more conservative asset location during retirement.
    • No restrictions

Lauren and David

  1. Financial Situation

    • Married Couple, age 57
    • Have $5,000,000 in liquid assets:
      • $1,000,000 in rollover IRAs
      • $1,000,000 in a joint (JTWROS) account
      • $3,000,000 in 401(k)s
    • No cash flow needs for 10 years
    • Seeking long-term growth
    • Want to be tax efficient in the taxable account where possible
    • Restrictions: don’t want to invest in oil companies or tobacco
    • Moderate risk tolerance

Heather

  1. Financial Situation

    • Single parent, age 39, marketing and design
    • Has $1,000,000 in liquid assets
    • Has a goal of setting aside money for college but also want to continue growing assets for retirement
    • Overall, wants long-term growth and is ok with high equity exposure
    • No restrictions

Peter

  1. Financial Situation

    • Single, parent, age 48, engineer
    • Has $1,300,000 in liquid assets
    • $200,000 in money markets; $300,000 in a self-directed 401(k)
    • Inherited $600,000 in cash
    • Has no intention of retiring, interested in consulting work later in life
    • Seeking long-term growth, and has a high risk tolerance
    • No restrictions

Disclosure

These “Client Scenarios” are for illustrative purposes only. These are not actual clients nor does this information represent actual client information or ZIM’s ability to achieve your goals.

Zacks Investment Blog

Zacks Investment Management NEA Registered Member