Title: The Johnsons' $2.1M Retirement: Can Reinvested Earnings Secure Three College Funds? Tagline: Balancing Growth, Risk, and Family's Future. Problem: The Johnsons, aged 42 and 44, have a comfortable $450,000 combined income and $2.1 million saved for retirement. However, they face the daunting task of simultaneously funding retirement and three college educations for their children aged 8, 12, and 15. They need to understand if their current investment strategy adequately balances growth with the need for relatively near-term college expenses, and are unsure about the long-term implications of potentially shifting toward more conservative investments. Solution: Using the Retention Ratio Calculator, the Johnsons can assess the growth potential of their individual stock holdings by understanding how much profit a company reinvests for future expansion versus paying out as dividends. By comparing companies with high retention ratios in sectors aligned with long-term growth projections, they can identify potentially higher-growth investments for their retirement portfolio, and more conservative lower risk investments with consistent dividends for college funding. They combine this with the Tax Equivalent Yield calculator to optimize for after-tax returns within various account types. This allows them to potentially increase their retirement savings growth rate by 1-2% annually while still accessing dependable income for college costs. ROI: $350,000 estimated increase in retirement savings over 15 years by identifying high-growth investments. Description: This case study examines how the Retention Ratio Calculator helped the Johnsons, a high-earning couple with significant retirement savings and college aspirations, analyze potential investments. It demonstrates how understanding a company's reinvestment strategy can inform portfolio allocation and long-term financial planning decisions for families balancing multiple financial goals. Category: Client Service Calculators: Retention Ratio Calculator, Tax Equivalent Yield Calculator, Times Interest Earned Ratio Calculator