Navigating widowhood with strategic income and estate planning.
Eleanor, overwhelmed by her inheritance of a $1.8 million Traditional IRA and $450,000 in taxable accounts, worried about maintaining her lifestyle in retirement and preserving her wealth for her grandchildren. The existing portfolio, heavily weighted in growth stocks, exposed her to significant market volatility which kept her awake at night.
Using the Portfolio Beta Calculator, we determined Eleanor's initial portfolio had a beta of 1.2, indicating higher-than-market volatility. We then modeled several scenarios, reallocating assets to include dividend-paying stocks, high-quality bonds, and a small allocation to alternative investments. This reduced her portfolio beta to 0.8, significantly decreasing her exposure to market swings while still generating an estimated $90,000 in annual income. The Tax Equivalent Yield Calculator was used to ensure tax efficiency.
The Portfolio Beta Calculator allowed us to quickly assess and adjust the portfolio's risk profile by inputting asset allocations and individual security betas. We iterated through several allocation models within the calculator until we found the sweet spot for a balance between income and risk tolerance.
$35,000 reduced annual portfolio volatility while generating $90,000 of annual income for Eleanor
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