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Financial Modeling and Retirement Projections

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Comprehensive Financial Planning and Modeling

At Darrow, all of our financial models are developed in conjunction with a  CERTIFIED FINANCIAL PLANNER™ professional. We are also a fee-only registered investment advisor. This means that we do not sell any products or receive commissions; and we have a fiduciary duty to make recommendations that are only in the best interest of our clients. 

 

Build Your Custom Financial Model

Common topics for analysis may include:

  • Retirement income planning projections, including early retirement
  • Planning for the proceeds after a major liquidity event
  • Stock options and equity compensation
  • Major purchase objectives (e.g. home purchase and financing options)
  • Asset allocation and investment management to balance risk and reward
  • Investment opportunities for excess cash, an inheritance, or windfall from a sudden wealth liquidity event
  • Withdrawal strategies in retirement
  • Income tax planning strategies and tax projections
  • Disability and survivor income
  • Social Security timing and maximization
  • Legacy goals
  • Education and college planning including saving strategies with 529 plans
  • Life insurance coverage
  • What-if scenario analysis (e.g. annual income to retire at age 60 vs 65, buying a second home or rental property, etc.)

Financial Models also include:

  • Detailed recommendations based on the analysis
  • Cash flow projections
  • Net worth projections
  • Monte Carlo analysis of goal attainment
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Investment Risk Analysis - Stress Testing Your Portfolio and Financial Plan

Stress testing your financial plan

To help assess the feasibility of your retirement and financial goals, we develop a comprehensive financial model to include pre-retirement income and expenses, anticipated living expenses in retirement, contributions to investment accounts, projected Social Security benefits, taxes, life expectancy, inflation, etc. Detailed assumptions about the standard deviation and average expected annual return are added to the plan at the account level.

Stress testing a financial plan and retirement projections can help investors feel more confident in the likelihood they won’t run out of money under different conditions in the financial markets. 

Darrow Wealth Management does not provide tax and/or legal advice. Certain circumstances may require us to coordinate with your qualified tax and/or legal advisor.

Fee-Only Financial Advisor

As a fee-only financial advisor, we do not sell securities, investment products, or receive commissions or compensation from 3rd parties.

Fiduciary Investment Advisor

A fiduciary duty means we are legally bound to act at all times for the sole benefit and interest of our clients. This is the highest act of loyalty, trust and care under the law.

Independent Wealth Management

We are also completely independent, so you don’t have to worry about fund family allegiances or other corporate actions that could distance us from our clients.

Established in 1987

In 1987, we began helping individuals and families invest in their future.  Now a second generation family business, we are proud to have the opportunity to help multiple generations of families in the community achieve their wealth goals.

As a SEC-registered investment advisor, we offer comprehensive financial planning and investment management for clients locally in greater Boston and across the country, from Florida to California.

This often enables us to maintain our longstanding relationships as clients move or retire. To learn more about our asset management and financial planning services, please contact us today.

Wealth Management Services

Learn more about working with a CERTIFIED FINANCIAL PLANNER™ professional

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