Retirement & Life Transitions

Changing Careers?

Receiving an inheritance?

Retiring?

Getting Married or Divorced?

How confident are you?

The Quigley & Murray Group believe that a sound retirement strategy and effectively tackling challenging transitions in life and lifestyle goals requires “stress-testing” to instill confidence.  Through comprehensive investment planning using Envision, Wachovia Securities’ sophisticated statistical modeling software, we can help you to test the probability of actually achieving your goals and objectives based upon your life transition.  We use the term "pre-experience" to describe our process.  Our goals-based planning process includes gathering information from you and your family about:

• The age when you want to retire
• The annual income you want in retirement
• Education funding for children and grandchildren
• Dreams and major purchases
• Your estate and legacy

For each life goal, you'll determine your ideal versus acceptable goals.  Next, we'll work together to prioritize and decide which goals are most important to you, including some "what if" scenarios, such as:

• What if you worked part-time after retiring?
• What if you bought a bigger house? Or sold your second home?
• What if you leave a larger estate to your family?

We are able to test a variety of scenarios to find the strategy that will provide the greatest probability for success.  A higher probability means there is greater confidence that you will reach your goals with your available assets and savings strategy.  If you are experiencing a transition in your life, let us help you pre-experience your options before you commit to an action.  Our process and our approach helps provide you with a roadmap to financial success.

IMPORTANT: The projections or other information generated by Envision regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.

Envision’s simulation model incorporates assumptions on inflation, financial market returns and relationships between these variables based on an analysis of historical data. Using Monte Carlo simulation and data provided by the Center for Research in Securities Pricing, Envision simulates thousands of potential outcomes over a lifetime of investing. The varying historical risk, return, and correlation between the assets is based on indexes over several market cycles. If the indexes do not provide enough historical data to gauge asset-class performance, we may use the data of related asset classes.