Case Studies
Retired
“How long can I live comfortably?”
Helping people evaluate and plan for a successful retirement is a big part of what we do at Clermont. And while the question stated above is the one that most people ask, the answer is different for everyone. That’s because everyone takes a different path to retirement and has different ideas as to what they want their retirement years to be like.
Regardless of when you ask the question, or how you view a retirement lifestyle, we can deliver a well-thought out answer – one that provides you with the reassurance that you’re positioned for the future.
Our solutions in this area take many forms. They involve products and strategies that relate to your life, your goals and your dreams. Specifically, that means looking at things like:
- Risk management
- The impact of taxation
- Current assets
- Family obligations
- Lifestyle choices
Many people are surprised to discover that their retirement years can actually involve greater dispersions of wealth, not lesser ones, especially in the initial years. Increased travel opportunities, purchase of a second home, and exploration of new hobbies all add up. This isn’t a bad thing. It’s just something that effective retirement planning can take into account to create a plan to meet your needs.
At Clermont, we have the people and the approach to tailor a retirement plan that’s customized to your situation.
Executive or Professional
“How can I preserve everything I earn over the years?”
As people enter their peak earning years, many begin thinking more proactively about the wealth they’re attaining and how to retain and maximize it in the years ahead.
At Clermont, we welcome the opportunity to learn about your success and, more importantly, to harness the power of your assets – both now and for the future. This involves more than simply generating a high-level of return in the investments you make. It also involves understanding the short and long-term taxation implications. Generating a high-return only to see much of it lost later on isn’t, in reality, a high return at all.
How you want a growing asset pool to eventually be distributed is another factor to consider. Here, our trust experts can step in and lead you to the right solution – one that can ensure a proper legacy and effective distribution to your family, as well as the institutions and charities most reflective of your life values. In this way, a financial strategy becomes a very human, personal map– one that’s completely crafted for your goals and dreams.
Business Owner
“I just sold my business for more than I ever thought. Now what?”
In life, sometimes good things can result in big questions. The sale of a business is a perfect example. Suddenly, the intuition, drive, and intelligence that got you to this point have little to do with the decisions you may need to make going forward.
At Clermont, we understand the challenges that a sudden increase in wealth can bring. We have tax expertise, trust fund developers, and relationship managers that – together – can assess your situation and help you manage for the future with a reassuring level of intelligence and commitment.
We understand the value of asking the right questions. We also know that sometimes the questions and answers that you’re looking for might not even be ones you know you have to address. We can help you address them – by putting complex financial goals and issues in simple terms. Doing so makes you an important part of the decision process, rather than an outsider wondering just where your future is headed.
Together, we can make the sale of your business as exhilarating and rewarding as the journey that led up to that transaction.
Established Wealth
“Are we taking everything into consideration?”
Wealth can be accumulated in all kinds of ways – sometimes via steady progress and other times in short-term bursts and unexpected gifts.
Regardless of the path, the accumulation of wealth can take people by surprise. The result is an “a-ha” kind of moment where they suddenly wonder if they are managing their wealth portfolio as efficiently and effectively as they should be.
At Clermont, we think that anxiety management is as much a part of our value as wealth management. We’ll analyze your options with you, discover your goals and dreams, and jointly decide the best approach for your future.
Whether it’s discovering your risk management level, explaining long-term taxation implications, or developing an estate planning strategy, we can give you both a proper financial plan and the confidence of knowing you’ve taken everything into consideration for the future.