52 years old
Executive at a Major Corporation
$150k - $220k
Wife and 2 kids still at home
Paul has a high annual income and wants to know how to reduce his tax liability, retire at age 58, find outside investment opportunities beyond his company plans, and continue to donate to charities.

The Challenges

Losing free money?

Paul is not sure if he is optimizing all of his company sponsored plans or investments outside his company.


Because of Paul's high annual income, he is paying a lot of money in taxes each year.


Paul has accounts with various brokers and insurance agents.

Planning for the future?

Paul has been successful at developing his career, but has not spent as much time on his retirement planning.

The Capita Solution

o Optimizing Benefits:

- Maximize his 401(k) contributions
- Understand any executive based deferred compensation plans
- Maximize his HSA and use it as an investment account rather than a health spending account

o Giving Smarter:

Capita will build a charitable giving strategy to help Paul donate assets rather than cash to his chosen charities each year. This will involve setting up an after tax brokerage account and a donor advised fund.

o Grow Your Money:

Capita will build a diversified investment plan that includes his 401(k), deferred compensation plan, outside brokerage accounts, real estate, and private equity deals. 

o Retirement Plan:

Capita will build a roadmap to help Paul achieve his goal of retiring at age 58. This plan will be centered around his desired lifestyle throughout retirement.

o Simplicity:

One of Capita's strengths is to provide Paul with simplicity in the process of opening, consolidating, and properly allocating accounts.

The Conclusion

Capita will focus on Paul’s personal plan so he can focus on developing his career. We will ensure he isn’t missing out on company benefits, tax-breaks, investment opportunities, and planning for the future. Capita will do the heavy lifting to help provide ease and simplicity in Paul’s busy life. 
Capita's highlighted case studies are hypothetical and showcase the standard walkthrough of similarly established clients.
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