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They’re in their early forties. They both work in real estate and therefore have variable annual incomes. Their goal is to be financially free by their early fifties, though they may choose to continue working to fill their time. They also have supplemental income from rental properties they own.

The Saenz’s earning potential is their biggest resource right now, but things could change dramatically if either of them lost their ability to earn. A savings plan as well as the right insurance policies are what’s most important. Given their time horizon of 10+ years, they’ll work with their Halbert Hargrove advisor to take on healthy risk with their investments, while maximizing tax savings.


The case studies are included for illustrative purposes only, to provide examples of the HH’s process, methodology and/or services. Any results portrayed in the case studies are not representative of all of the firm’s clients or the clients’ experiences. No portion of this presentation should be interpreted as a testimonial or endorsement of the firm’s investment advisory services. The information contained herein is based upon certain assumptions, theories and principles that do not completely or accurately reflect your specific circumstances. HH makes no representation as to whether investment in any security or strategy mentioned herein was profitable or would have been profitable for any person in the past.  Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy will be profitable. There is no guarantee that the prevailing financial and economic conditions during the time frame of the case studies will continue. Past performance is no guarantee of future results.