Case studies

Real plans. Real results.

A few stories from families and business owners who trusted us with their money, their fears and their biggest life transitions. Names and details anonymized; outcomes as reported by clients.

From Side Hustle to Retirement-Ready Owner — case studyRetail & Small Business

From Side Hustle to Retirement-Ready Owner

A 42-year-old founder of a boutique retail chain

A retail founder was reinvesting every dollar into growth with zero personal balance sheet. We built a 10-year plan that extracted value systematically while funding retirement and a future exit.

The challenge

The owner had strong revenue but no separation between business and personal finances, no retirement savings, and a tax structure that penalized every profitable quarter.

Our approach

We restructured the entity to an S-corp, implemented a solo 401(k) with profit sharing, built a disciplined owner's compensation model, and created a personal investment portfolio funded by 15% of monthly operating profit.

0% → 15%

Personal savings rate

$38,000

Annual tax reduction

$610,000

Retirement portfolio (yr 5)

+42%

Business valuation uplift

Tax StrategyRetirement PlanningInvestment Management

“For the first time I know exactly what the business is worth to my family, not just to my customers.”

— M. Chen, Founder, boutique retail chain
Retiring at 58 — With Confidence, Not Luck — case studyProfessional Services & Education

Retiring at 58 — With Confidence, Not Luck

A senior engineer and teacher, both 54

Two professionals wanted to retire at 58 — four years early. Our longevity and tax modeling found the path, including a Roth conversion bridge that saved six figures in lifetime taxes.

The challenge

Early retirement meant 10 uncovered years before Medicare and Social Security, a concentrated employer stock position, and a pension lump-sum decision worth $480,000.

Our approach

We built a withdrawal bridge using taxable accounts and a 5-year Roth conversion ladder, de-risked the concentrated stock with a collar strategy, and modeled the pension as an annuity vs. lump sum — the annuity won, preserving income for life.

62 → 58

Retirement age

$142,000

Lifetime tax savings

94%

Income replacement

99%

Portfolio stress-test survival

Retirement PlanningTax StrategyInvestment Management

“We retired on a Tuesday and slept better that night than we had in 30 years of working.”

— D. & R. Alvarez, Clients since 2019
Two Kids Through College, Zero Student Debt — case studyHealthcare

Two Kids Through College, Zero Student Debt

A physician and a nurse, ages 38 and 36

A busy medical family wanted to fully fund two children's college educations without derailing their own retirement. We built a 529 strategy that maximized state deductions and aid eligibility simultaneously.

The challenge

High income disqualified them from most aid, they had no 529 accounts, and a grandparent wanted to contribute without triggering aid penalties on the FAFSA.

Our approach

We opened two age-based 529s with a front-loaded contribution strategy, positioned the grandparent's gifts into a 529 owned by the parents, and ran an aid-optimization model that shifted asset ownership for maximum eligibility.

100%

Projected college cost funded

$31,000

State tax savings

$0

Student loan debt

On track

Retirement plan status

College SavingsTax StrategyInsurance Review

“We show up to work saving lives; WealthPath handled the math that secures our kids' futures.”

— Dr. S. Patel, Client since 2021

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