708.479.7755 info@tcmccabe.com

Who We Serve

Zac Morgan, CFA®

Financial Advisor

Zac’s Ideal Client

Ideal Age: 45-70

Ideal Client Assets: $1-10 million

Ideal Client Needs:

  1. Retirement income planning
  2. IRA strategy planning
  3. Holistic asset allocation

Ideal Client Description:

Mr. & Mrs. Smith recently sent their youngest child to college and want to shift their focus to planning for their upcoming retirement. Their goal is to retire in the next 5-7 years. They both have been saving in their employer 401k plans for years, but they are concerned about transitioning to life without a regular paycheck. The Smiths are looking for advice on steps they can take now to make their last few years in the workforce as impactful as possible to their financial situation. They have heard of catch-up contributions, Roth conversions, RMDs, and HSAs; however, they are unsure if these are items that they should consider. The Smiths are looking for a trusted advisor to help them create a financial plan, which allows them to live the retirement they have been working towards for the last 35 years. They have questions about how to incorporate social security, Medicare, and long-term care into their plan. They need an individual they can trust to always do what is in their best interest and offer an objective view of their financial position.

George McCabe, CPA

President, Financial Advisor

George’s Ideal Client

Ideal Age: 60-70

Ideal Client Assets: $5-25 million

Ideal Client Needs:

  1. Advanced IRA strategy planning
  2. Generational Wealth Planning
  3. Liaison with their other professionals
  4. Small Business Consulting and Qualified Plan Implementation

Ideal Client Description:

Mr. & Mrs. Smith (ages 61 and 60) are newly retired individuals who just sold their small business after 35 years building it together and have a total net worth of $8 million. During their working years, they put most of their wealth into qualified accounts (401K, IRA, and Defined Benefit Plan) and their only income will come from the purchaser of their business over the next 3 years. They have concerns about how they are going to maximize their income stream over the next 30 years and how Social Security is going to play a part in that picture. Additionally, they have concerns about things that affect both their health and wealth, such as Medicare and long-term care planning. They have an accountant, attorney, and insurance broker but they haven’t updated their estate plan in some time and they need some advanced planning on their IRAs to help minimize their taxes in retirement and help maximize what they leave to their beneficiaries. They need a point person who can coordinate with all their professionals to keep things up to date and properly direct the flow of information to optimize their financial plan. Most importantly, they need to find an individual they can trust to act as an advisor to their children if something were to happen to them in the short-term.

Ryan Gandurski

Financial Advisor

Ryan’s Ideal Client

Ideal Age: All Ages

Ideal Client Investable Assets: $5 million+

Ideal Client Needs:

  1. Retirement Income Planning Strategies
  2. Education Investing Strategies
  3. Non – Retirement Asset Investing Strategies
  4. Tax, Insurance – LTC, Medical, & Estate Planning Strategies

Ideal Client Description:

Ryan’s clientele is a diverse collective of all financial situations and unique backgrounds.  To be more specific, Ryan works with physicians / medical professionals, attorneys, business executives from corporate America, small to medium sized business owners, union professionals, large wealth multi-generational family members, municipal employees, and young professionals.

Ryan serves as a “CFO” providing clients with honest assessments of their financial situation.  An ideal client, though unique based on personal financial needs, is committed to their long-term financial future and is receptive to receiving goal driven advice and following step – by – step customized instructions to pursue their financial goals.

Client(s) who recently retired and in need of distribution planning from their 401(k), 403(b), 457 plan / IRA savings, Client(s) who need a plan for education savings and keeping up with the exorbitant costs of secondary / higher education, Client(s) who have large non-retirement assets that want to explore long-term investment strategies, Client(s) needing assistance in demystifying complicated tax, insurance / long term care, and estate planning matters – these are the clients that Ryan has been working with and helping solve complicated situations for approximately 20 years.

William Will, CFA®

Financial Advisor

Will’s Ideal Client

Ideal Age:  55-70

Ideal Client Assets: $1-10 million

Ideal Client Needs:

  1. Retirement Withdrawal Strategies
  2. Asset Allocation & Portfolio Management
  3. Long-Term Financial Planning

Ideal Client Description:

Mr. and Mrs. Brown are approaching retirement age after working and saving for the last 35 years.  Their adult children are employed and no longer financially dependent on the Browns.  Mr. and Mrs. feel confident about their financial future but are unsure about when to retire or how to use their savings to fund retirement.

They are struggling to determine when the best time is to take Social Security, when and how much to withdraw from their 401(k) account, and what to do with the CDs they’ve purchased with their bank.  They’ve enjoyed the market growth in their 401(k) accounts over their working years but concerned how an economic downturn may impact their retirement plans.  Also, they do plan to leave a portion of their wealth to their adult children who are starting families of their own.

I’ve often heard from clients that you can’t control the market.  This is a true statement, no one can control the market or forecast accurately what the S&P 500 will return in any given year.  A retirement period can be anywhere from 15 to 30 years depending on health and we can safely assume there will be bear markets along the way.  The Browns need an advisor who can help diversify their investments, balancing the need for long term growth and current income, work with insurance experts to protect unknown health or longevity risks, and coordinate with their accountant to avoid paying unnecessary taxes.  This process starts with a thorough understanding of the Brown’s entire financial picture and goals. A diversified portfolio does not assure a profit or protect against loss in a declining market.