Optimizing Bonds, Maximizing Legacy.
William Harrison, a devoted philanthropist, wanted to increase the annual distributions from his charitable trust without jeopardizing its long-term sustainability. His existing bond portfolio, inherited after his wife's passing, contained several corporate bonds with varying credit ratings, making it difficult to assess overall risk and potential for yield enhancement. He was also concerned that his outdated trust structure might not be optimally aligned with his current charitable goals and the needs of his three children and seven grandchildren.
Using Golden Door Asset's Credit Spread Calculator, we analyzed William's existing bond holdings, identifying opportunities to improve yield while maintaining a comparable risk profile. By strategically swapping lower-yielding bonds with wider credit spreads for higher-yielding bonds with similar credit quality, we were able to increase his annual charitable distributions by approximately $35,000. Further analysis using the Tax Equivalent Yield Calculator helped ensure these adjustments were also tax-efficient. Finally, we advised him to update his trust to better reflect his current intentions.
The Credit Spread Calculator allowed us to quickly compare the spreads of various corporate bonds relative to benchmark treasury yields, providing a clear understanding of the risk-adjusted return for each investment. The Tax Equivalent Yield Calculator then provided added insights when evaluating bonds for the portfolio.
$35,000 increase in annual charitable distributions and a more robust, tax-efficient estate plan.
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