Case Studies

Case Study: A Journey to Secure Retirement Income & Financial Peace of Mind

April 23, 2024
Tom and Olive, Retirees, looking out over the water

We help retirees secure their financial future, balancing risk aversion and the need for income through tax optimised investment portfolios.

Mike & Olive are a retired couple in their 60s who have built significant wealth throughout their lives. They have a net worth of €2.5 million and investment assets of over €500,000, mainly in cash. Now, they’re looking for a way to generate retirement income while managing longevity and inflation risks. Their story demonstrates how our services can help retirees secure their financial future without compromising their risk tolerance.

Balancing Risk Aversion & the Need for Income

Mike & Olive have always been change-averse and risk-averse, preferring the status quo and trusting big Irish banks and life assurance companies. They also relied on their stockbroker and accountant for financial advice for much of their lives. Their primary challenge was finding a way to generate a sustainable income from their savings without taking on too much risk. They also didn’t want to tie up their assets and make them inaccessible should they need to access them.

Tax-Optimised Investment Portfolios for Maximum After-Tax Income

Our team of financial experts worked closely with Mike & Olive to understand their goals and concerns. We designed a tax-optimised investment portfolio tailored to their specific needs, striking the balance between risk management and income generation. This personalised approach ensured that the couple could enjoy a steady stream of retirement income while minimising tax liabilities and preserving their wealth for the future.

A Secure Retirement & a Worry-Free Future

 & Olive can now enjoy their retirement without worrying about their financial future. Our tax-optimized investment portfolio ensures they have a consistent income to support their lifestyle while keeping their hard-earned wealth protected should they need to access it in the future or wish to pass on to future generations.

If you’re in a similar situation to Mike & Olive, our team of financial experts is here to help. We’ll work with you to create a personalised investment strategy that aligns with your risk tolerance and maximizes your retirement income. Contact us today to secure your financial future and enjoy the worry-free retirement you deserve.


If you’re seeking to secure a bright future for your family and need expert financial planning advice, our team is here to help. Contact us today to begin your journey towards achieving your goals and leaving a lasting legacy for your loved ones.


Pedlars Lake

Schedule a call with one of our advisors.