Piotrowski, Frank & Mary

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Harry Potter

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Functionalists- Family

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Thank You Ma'am - Roger

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Robin Hood

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Frank (78) & Mary (72) Piotrowski

Investment Goal

Minimized RISK Make Money Last

They are "Active" managers

USAA managed

$1,600 of Annual Fees

Ideal Portfolio

-10% Max Loss

Income - $568 / month

Safety

Tax Mitigation

Explore ROTH Conversions

Tax Liability

Current Tax Bracket - 10%

95% of Savings Tax-Deferred

IRA - $147,000

Self-Preparer/No Tax Planning

No Long-Term Care Insurance

Medications, while inexpensive, add up!

Frank & Mary are dealing with Frank's Stroke

Legacy

Anything left over will go to family

Frank & Mary's needs come first

Will was updated 10 Years ago

Top Concerns

Healthcare

Paying off debts

Having Money Last

Income Goal

Income Goal:

Would like to increase the net after bills are paid

Leaves $752 / month for groceries

Bills are $3,500 / month

Current Income is $4,252 / month

Retirement Vision

Music for Mary

Taking care of Frank's healthcare

Stay at home

Already retired

Personal

Financial Objectives:

Pay as little TAX as possible

Protect $147K IRA

Increase Cash Flow

Family

6 Children - 13 Grandchildren

Both retired, but Mary works part-time with her passion for music