Preserving capital, generating reliable income, and securing her legacy.
Eleanor inherited a $1.8M Traditional IRA and $450K in taxable accounts shortly after her husband's passing. She needs a reliable income stream to cover her living expenses, but she's also concerned about preserving her capital in the face of potential interest rate increases which could negatively impact her bond portfolio. Furthermore, she needs guidance on how to best structure her estate to minimize taxes for her beneficiaries.
Using Golden Door Asset's Bond Convexity Calculator, we assessed Eleanor's existing bond holdings and identified those most vulnerable to interest rate risk. By strategically adjusting her portfolio to include bonds with higher convexity, we reduced the potential downside impact of rising rates. This allows her to maintain a projected $80,000 annual income with reduced risk. We also used the Tax Equivalent Yield calculator to identify tax-advantaged investment options to enhance Eleanor's after-tax income.
The Bond Convexity Calculator helped quantify the non-linear relationship between bond prices and interest rates for Eleanor's portfolio. We then used the results to optimize her bond allocation, factoring in her risk tolerance and income needs.
$35,000 increase in projected portfolio value over 10 years compared to a static bond portfolio, while maintaining targeted income levels.
Financial advisor achieves 30% growth and $100K revenue boost by using AI-powered lead generation, transforming their client acquisition process.
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Advisor adds $1.2M AUM using AI, increasing qualified leads by 25% and freeing 10+ hours weekly.
