When straight-forward

seems straight up difficult.

How did McLean help John and Cathy achieve their retirement goals? Find out below...

In the courtroom of retirement, John and Cathy, on the outside, looked like an open and shut case. But as many lawyers will tell you, the easy cases take just as much work as the hard ones…and sometimes they are not as simple as it seems.

John and Cathy were in their mid-50s, looking to semi-retire, and hoping to fully retire by their mid-60s. They had a portfolio that checked so many of the right boxes that someone on the outside looking in could wonder why they would ever consider seeking help in planning their retirement. With about two million in investable assets, John would always take pride in telling his wife, “We got this!”.

Cathy was always the planner of the two, so when John would say, “We got this,” she had a few questions to ask if he had answers for every “this”:

  • How do we bridge the gap between losing employer-sponsored healthcare before qualifying for Medicare?
  • How can we generate a tax-efficient income stream in retirement while achieving our spending goals?

While John was notorious for having all of the answers, Nancy had stumped him. That’s when John found McLean so he could have an answer once again.


John Asked

Are you willing to take on a seemingly straightforward retirement plan?


To which we replied:

“Every retirement plan has its intricacies; let’s make the best retirement plan for you!"

It turns out that John and Cathy both had focused so much on “being where we need to be” that they never had defined "what they wanted to be” in retirement. For them, the main obstacle keeping them from pursuing their hobbies and goals in retirement was some thoughtful tax planning.

How we helped John and Cathy:

Identified an individual health plan on their state’s healthcare exchange that would provide the required coverage until Medicare kicks in.

Outlined a multi-faceted tax planning strategy that incorporated loss harvesting and tax bracket management to create a more efficient income stream and ensure eligibility for tax subsidies and income-based programs in retirement.

Gave John the confidence to say he knew the answers the whole time, the answer just happened to be McLean!

Semi-retirement turned out to be a fully fun phase in John and Cathy’s life. With the strategies put in place by McLean, they felt assured in what they were doing for their future. Everyone has different goals, and for John and Cathy, their biggest goal was to feel confident in retirement, and McLean gave them all the confidence they needed.


“I was so afraid to reach out to an advisor because I felt our situation was too easy and I was embarrassed to ask for help. It turns out, the most embarrassing thing now is my wife knowing I should have reached out to McLean sooner!”


The testimonials appearing on this page are not representative of all client opinions of McLean Asset Management Corporation (McLean). Images appearing on this page are intended for illustrative purposes only and are not reflective of actual McLean clients. Client names have been changed for privacy reasons. Client experiences can and likely will vary from the experiences reflected herein. Quotations are fictitious for illustrative and narrative purposes. McLean does not provide direct or indirect compensation in exchange for the testimonials shown. As such, it is not expected that material conflicts of interest arise with respect to the testimonial providers.

Testimonials should not be viewed as the sole determining factor in obtaining or retaining an adviser’s services and do not guarantee client satisfaction, success of a particular service or investment, or financial outcome. Not all services will be necessary or appropriate for all clients, and the potential value and benefit of McLean’s services discussed herein will vary based upon a variety of criteria, such as the client’s investment and financial circumstances, age, tax bracket, employment status, current and expected future income, health status, and other factors. McLean is not a law firm or accounting firm. Legal and accounting services should be sought from the qualified professional(s) and/or firms of the client’s choosing. Income guarantees may be provided by unaffiliated insurance companies, and such guarantees depend on the financial strength and payment capacity of the policy issuer. Insurance sales and consultation services are provided through McLean Insurance Solutions, an affiliated insurance agency, and insurance sales may result in the payment of commissions, which are generally separate from and in addition to McLean advisory fees. Past performance does not guarantee future results. All investing comes with risk, including the risk of loss.

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McLean Asset Management Corporation (“MAMC”) is a SEC-registered investment adviser. MAMC only transacts business in states where it is properly registered or excluded or exempt from registration requirements. The information provided herein is for educational purposes only and should not be construed as investment advice and does not intend to make an offer to sell or a solicitation of an offer to buy or sell securities. It is not intended to provide specific legal, tax, or other professional advice. Investments involve risk and unless otherwise stated, are not guaranteed. Although Information has been obtained from sources deemed to be reliable, we make no guarantee as to the accuracy or completeness of this data. MAMC shall not be liable for any errors or omissions, or for any actions taken in reliance thereon. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.