Strategic solutions for a secure future.
Eleanor recently inherited a $1.8 million Traditional IRA and $450,000 in taxable accounts following her husband's passing. Overwhelmed and grieving, she was unsure how to generate sufficient income to maintain her lifestyle while minimizing taxes and ensuring a lasting legacy for her grandchildren. Her risk tolerance was moderate, adding to the complexity of the situation.
Using the Credit Spread Calculator, we identified opportunities to invest in corporate bonds with attractive yields relative to their risk profiles, supplementing her existing dividend income. By analyzing various bond options, we discovered a portfolio construction that increased her annual income by $18,000 while maintaining a risk profile aligned with her comfort level. Companion calculators like the Tax Equivalent Yield Calculator helped her understand after-tax returns of her bond investments and the Times Interest Earned Ratio ensured the bond issuers were stable.
We used the Credit Spread Calculator to compare the yields of different bonds with varying credit ratings to identify undervalued opportunities. Data was sourced from reputable financial data providers and cross-validated with internal research.
$18,000 increase in annual income while preserving capital and reducing tax liability.
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