Unlocking financial flexibility with strategic asset management.
The Johnsons, with a combined income of $450,000 and $2.1 million in retirement savings, were concerned about their ability to manage upcoming college tuition bills while maintaining their retirement contributions. Their advisor needed to determine if they had sufficient liquid assets available or if adjustments to their investment strategy were required to ensure they could meet these obligations without jeopardizing their long-term financial security. A key concern was understanding if their current asset allocation left them vulnerable to unexpected expenses.
Using Golden Door Asset's Quick Ratio Calculator, the advisor assessed the Johnsons' ability to meet their immediate liabilities. The calculator revealed a quick ratio of 0.7, indicating that they had 70 cents of liquid assets for every dollar of current liabilities. By further utilizing the Debt-to-Asset Ratio Calculator, they determined the Johnsons' overall leverage and impact on liquidity. The advisor then used the Tax Equivalent Yield Calculator to analyze the potential benefits of shifting some investments to more tax-efficient vehicles to improve cash flow.
The advisor used the Quick Ratio Calculator to input the Johnsons' current assets and liabilities. The results were then visualized in a client report, highlighting the liquidity shortfall and proposed adjustments to the asset allocation.
$35,000 increase in available cash flow over the next 3 years, by identifying and reallocating underperforming assets and optimizing tax strategies.
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