Client 1
• Age: 62 | Marital Status: Common-law
• Employment Status: Recently retired from a major media company
• Dependants: None
• Net worth: $1.2 million
• Income: Defined Benefit Pension – $36K annually

Client 2
• Age: 54 | Marital Status: Common-law
• Employment Status: Employed at a management consulting firm
• Dependants: None
• Net worth: $1.1 million
• Income: $100K annually

Joint Profile
• Annual living expenses: $150K – 200K

• Client 1 has recently retired from a media company and will receive a defined benefit pension for life.
• Client 2, the common-law partner, would like to retire early at age 58.
• The couple aims to maintain their current lifestyle throughout retirement, with no dependents or specific legacy goals.
• They also plan a significant home renovation in five years, estimated at $250K in today’s dollars.

• Can Client 2 retire early while maintaining their desired lifestyle?
• Are the clients financially positioned to sustain their standard of living throughout retirement?
• Is their investment portfolio properly aligned with their retirement objectives?
• Would reallocating a portion of Client 1’s portfolio into annuities improve income predictability and align with their broader goals?
• What is the optimal withdrawal strategy under various retirement and market scenarios?

• Authentic developed comprehensive lifetime financial projections capturing all income sources, planned expenses and major goals, including late-retirement healthcare and long-term care considerations often overlooked in traditional models.
• We applied well-founded assumptions on longevity, inflation rates, interest rates and investment returns to ground the plan in realistic expectations.
• We evaluated advanced strategies such as CPP/OAS deferral, tax-efficient withdrawal sequencing across RRSP, TFSA, and non-registered accounts, and opportunities to enhance tax sheltering. 
• Authentic modeled four primary scenarios to measure long-term impact on net worth:
1. Continue current approach with recommended refinements
2. Shift to a more equity-focused investment strategy
3. Reallocate a portion of Client 1’s assets to a lifetime annuity
4. Purchase bonds instead of an annuity for predictable cash flows consistent
with Client 1’s preferences. 

• Cash Flow & Net Worth Projections
• Legacy & Estate Projections
• Scenario & Sensitivity Analysis
• “What-If” Stress Testing

• Authentic clearly presented the trade-offs of each scenario, empowering the clients to make informed, confident decisions.
• We confirmed Client 2’s ability to retire early without compromising lifestyle or long-term security.
• Authentic delivered visual dashboards and detailed projections, clarified key risk factors, and provided short- and long-term financial outlooks.
• We identified a medium-risk, equity-oriented strategy as the most suitable path for improved retirement outcomes, emphasizing investment discipline and market risk awareness.
• We provided guidance on next steps, including attention to late-retirement expenses and foundational estate planning documents.
• Authentic delivered a comprehensively explained Your Financial Journey Report with findings, insights, and implementation steps, upon engagement completion.
• Clients subsequently engaged Authentic for a Portfolio Check Up to review investments and reinforce long-term strategy.

This case illustrates how Authentic transforms complex retirement questions into a clear actionable roadmap. Through open dialogue, thoughtful analysis, and personalized strategies, we enable clients to make confident, well-informed financial choices, and stand beside them as trusted partners on their financial journey.