Case Studies

The following case studies highlight how our team can help clients with their financial management and retirement needs.

Discipline

Client: Age 65+, recently retired executive with adult children and grandchild

Blue Folder Discoveries:

  • Overexposed to Market Risk
  • Forced to Delay Retirement
  • Significant Debt Load

MPW Actions:

  • Rework of Investment Plan
  • Risk Management
  • Planned for an Income Stream in Retirement
  • Restructured Portfolios
  • Outlined Contribution Schedule
  • Insurance & Debt Review
  • Heightened Review Schedule

Strategy

Client: Business owner, age 55+ with large, blended family and aging parents

Blue Folder Discoveries:

  • Sold Business Built Over 20 Years, Creating a One-Time Multi-Million Dollar Liquidity Event
  • Estate Tax Concerns
  • Future Investment Needs
  • Generational Planning
  • Assisted Living for Parent

MPW Actions:

  • Insurance Planning
  • Estate Planning Strategies through Trusts & Gifting
  • Education Planning through 529 College Savings Plan
  • Overall Risk Management Selection
  • Long Term Care Coverage Review

Expertise

Client: Well established faith-based organization with multiple endowments

Blue Folder Discoveries:

  • No Investment Policy Statement
  • Investment Accounts Not Aligned to Goals
  • No Organization of Accounts
  • Changes in Leadership & Complete Board & Committee Overhaul

MPW Actions:

  • Provided Fiduciary Auditor Resources
  • Guided Investment Policy Design Process
  • Prepared Strategic Investment Plan
  • Organized & Consolidated Accounts
  • Set Review Schedule with New Leadership Transition

Creativity

Client: Late 40's/early 50's, business entrepreneurs with young children

Blue Folder Discoveries:

  • Investment Needs
  • Business Credit Facility
  • Multiple Properties & Mortgages
  • Insufficient Insurance
  • 401(k) Planning for Employees
  • No Educational Savings for Children

MPW Actions:

  • Comprehensive Investment Plan
  • Investment Strategy Design
  • Liability Management
  •  Insurance Review
  • Trust & Estate Planning Strategies
  • Education Planning through 529 College Savings Plan

Accessibility

Client: Early 60's, retired, recent widow

Blue Folder Discoveries:

  • Income Needs through Retirement
  • Multiple Investment & Annuity Accounts
  • No Experience with Financial Concepts
  • No Long Term Care
  • Mortgage Concerns
  • No CPA Relationship

MPW Actions:

  • Consolidation & Simplification of Accounts
  • Review of All Annuities & Interface with Insurance Companies
  •  Investment Portfolio Redesign
  • Access to Lending Services through Wells Fargo Affiliates
  • Ongoing Financial Education

Business Retirement Plan

Client: Physician practice, trustee-directed 401(k) and cash-balance plan, ninety employees

Blue Folder Discoveries:

  • Seeking Competitive Employee-Benefit Offerings
  • Transitioning to Participant-Directed 401(k)
  • Ease-of-Use Online Options
  • Low Cost
  • Easy Administrative Transition
  • Ongoing Employee Investment Planning Opportunities

MPW Actions:

  • Participant-Directed Safe Harbor 401(k) with Cash-Balance Component
  • Comprehensive, Due-Diligence Review of Investment Options
  • Comprehensive, Due-Diligence Review of Low-Cost, High-Quality, Ease-of-Use Investment Options
  • Personalized Transition Service for Each Employee
  • Target Allocation Investment Options
  • Employee Investment Planning

Accessibility

Client: Early 40's, recently divorced, independent consultant, two children

Blue Folder Discoveries:

  • Income Needs through Retirement
  • College Education for Kids
  • Limited Experience with Financial Concepts
  • Uncertain Alimony & Child Support
  • No CPA Relationship

MPW Actions:

  • Consolidation & Simplification of Accounts
  • Insurance Review
  • Education Funding Plan
  • Investment Portfolio Redesign
  • Access to Lending Services through Wells Fargo Affiliates
  • Ongoing Financial Education

Discipline

Client: University support foundations with $600,000 in assets

Blue Folder Discoveries:

  • Conservatively Biased, Narrow Range of Investment Options
  • Excessive Risk Aversion at the Expense of Capital Return & Income
  • Additional Endowments

MPW Actions:

  • Conducted Complete Analysis of Investment Allocation
  • Offered More Robust Range of Investment Options
  • Restructured to a Risk-Appropriate Portfolio
  • Portfolio Analysis Led to the Investment Committees Finalizing their Investment Policy Statement
  • Opportunity to Consolidate Endowment Portfolios

Strategy

Client: Youth home with a $23 million endowment

Blue Folder Discoveries:

  • Investment Policy Statement in Need of Clarification
  • Lack of Consistent Reporting for Portfolio Performance
  • Diversification Issues

MPW Actions:

  • Increased Transparency Surrounding Holdings & Investment Decisions
  • Modified & Enhanced the Reporting & Review Process
  • Institutional Consulting Services
  • Applied Access to Global Institutional Money Managers

Accessibility

Client: Family charitable foundation with $18 million in assets

Blue Folder Discoveries:

  • Over 30 Family Members Spanning 5 Generations
  • Family Board of Directors
  • Annual Distribution Requirements
  • Multiple Linked Business Entities with Additional $20 Million in Assets
  • Concentrated Positions & Sectors
  • No Review Process
  • Family Communication Issues

MPW Actions:

  • Analyzed All Foundation & Business Documents
  • Established & Organized All Accounts
  • Adhered to Investment Policy Guidelines
  • Set up Diversification Plan & Review Schedule
  • Created Access Plan for All Family Members