Unity Financial Planning Group - Case Studies
From Uncertainty to Clarity - See How Others Made It Happen
Whether you’re a business owner navigating complex financial decisions, a high-income professional seeking clarity, or an individual preparing for or living in retirement, these case studies illustrate how we approach comprehensive financial planning.
Each example highlights how thoughtful planning, coordination, and ongoing guidance can help bring clarity to real-world financial situations. Select the case study that most closely aligns with your circumstances to learn more.
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Our Case Studies
Case Study: Financial Planning for a Business Owner
Business owners often face complex financial decisions that require coordination between personal and business finances.
This case study illustrates how comprehensive financial planning can help a business owner gain clarity, reduce complexity, and plan confidently for the future.
Client Situation
The client is a closely held business owner with fluctuating income, multiple business accounts, and limited retirement savings outside the business. Most of their net worth was tied to the business, and financial decisions were being made reactively rather than strategically.
Key Challenges
• Managing inconsistent cash flow
• High tax exposure
• Limited retirement planning outside the business
• No clear long-term exit or transition plan
• Multiple advisors without a coordinated strategy
Our Planning Approach
We built an integrated financial plan that aligned personal and business finances. The focus was on coordination, tax awareness, and long-term flexibility.
Planning Strategies Implemented
• Coordinated personal and business cash flow planning
• Reviewed retirement planning options for business owners
• Integrated tax planning strategies in collaboration with the client’s CPA
• Aligned investment strategy with overall business risk
• Created a framework for future exit and transition planning
Outcome
The client gained clarity around how the business supported long-term personal goals.
Decisions became more proactive, tax considerations were integrated into planning discussions, and the client felt confident having a coordinated strategy.
Case Study:
Financial Planning for a High-Income Professional
High-income professionals often face complex financial challenges driven by taxes, compensation structures, and competing priorities.
This case study highlights how coordinated financial planning can help simplify decisions and create clarity.
Client Situation
The client earned a high income with bonuses and employer-sponsored benefits but felt uncertain about whether decisions aligned with long-term goals. Multiple accounts existed without a cohesive strategy.
Key Challenges
• High marginal tax rates
• Multiple uncoordinated accounts
• Limited time to manage finances
• Competing short- and long-term priorities
• Uncertainty around retirement readiness
Our Planning Approach
We integrated tax planning, investment strategy, and retirement planning into a single coordinated framework. The goal was to simplify decisions while improving long-term clarity.
Planning Strategies Implemented
• Reviewed compensation and benefit structures
• Integrated tax-aware investment planning
• Aligned retirement savings with income and goals
• Consolidated accounts for improved oversight
• Established an ongoing planning cadence
Outcome
The client gained clarity around their financial direction and confidence in decision-making.
Rather than reacting to individual choices, decisions were made within a cohesive plan.
Case Study: Financial Planning
for a Pre-Retiree
As retirement approaches, financial decisions become more impactful.
This case study demonstrates how pre-retirement planning helps clients transition from accumulation to preparation with confidence.
Client Situation
The client was in their late 50s and planning to retire within several years.
They had accumulated retirement assets but lacked clarity around income planning, taxes, and timing decisions.
Key Challenges
• Uncertainty around retirement timing
• Questions about income sustainability
• Tax planning in peak earning years
• Social Security decision-making
• Aligning investments with retirement goals
Our Planning Approach
We built a retirement-focused financial plan addressing income planning, tax considerations, and investment alignment. The focus was preparation and clarity rather than prediction.
Planning Strategies Implemented
• Developed retirement income projections
• Integrated tax planning strategies before retirement
• Reviewed Social Security timing considerations
• Adjusted investment strategy to support income needs
• Created a transition framework from work to retirement
Outcome
The client gained clarity around retirement readiness and timing.
With a structured plan in place, decisions felt confident and intentional.
Case Study: Financial Planning for a Retiree
Retirement introduces new financial decisions related to income, taxes, healthcare, and legacy planning.
This case study highlights how ongoing financial planning supports retirees through changing needs.
Client Situation
The client was recently retired and transitioning from earned income to reliance on retirement assets. They sought confidence in income strategy while managing taxes, market volatility, and long-term sustainability.
Key Challenges
• Creating reliable retirement income
• Managing required minimum distributions (RMDs)
• Coordinating Social Security and other income sources
• Tax efficiency during retirement
• Estate and legacy considerations
Our Planning Approach
We focused on creating a coordinated retirement income strategy designed to adapt over time. The emphasis was on sustainability, flexibility, and ongoing guidance.
Planning Strategies Implemented
• Designed a retirement income framework
• Integrated tax planning into withdrawal decisions
• Reviewed investment strategy for long-term sustainability
• Coordinated estate and legacy planning considerations
• Established an ongoing review and adjustment process
Outcome
The client felt confident in their retirement income approach and supported by an ongoing planning relationship.
Financial decisions became structured and less stressful as circumstances evolved.