Navigating risk and legacy after loss.
Eleanor Blackwell, grieving the loss of her husband, inherited a substantial $1.8 million Traditional IRA and $450,000 in taxable accounts. Overwhelmed, she was unsure how to generate sufficient income to maintain her lifestyle, minimize taxes on withdrawals, and structure her estate to benefit her grandchildren, all while managing the inherent risks of the market with no prior investment experience. Eleanor worried about outliving her assets and the potential impact of market volatility on her financial security.
Golden Door Asset used the Unlevered Beta Calculator to accurately assess the inherent risk of Eleanor’s existing investment portfolio, stripping out the effects of leverage to understand the true risk profile. Analyzing Eleanor's holdings revealed an unexpectedly high unlevered beta of 0.85, indicating significant exposure to market fluctuations. By understanding the risk profile, Golden Door Asset recommended a portfolio restructuring that included a mix of lower-beta stocks, bonds, and annuities, reducing the overall unlevered beta to 0.65 while still generating the necessary income through strategic withdrawals and dividend yields.
The Unlevered Beta Calculator was used in conjunction with portfolio analysis software to determine the risk-adjusted return profile of various asset allocations. The resulting data informed the construction of a diversified portfolio that balanced Eleanor's income needs with her risk tolerance and estate planning objectives.
$65,000 increase in projected annual income, decreased portfolio risk by 23%, and a comprehensive estate plan.
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