Account Consolidation to Drive a Complex Strategy Towards a Simple Direction

Rochester, New York

Client Overview


This client had left employment at one of our 401k plans and needed advice on what to do with her remaining funds.

The Opportunity


The client and spouse had been working the multiple advisors who only focused on the accounts held with each. Through in-depth fact-finding and goal implementation, we were able to expose these shortfalls. This allowed us to tailor a solution providing significant cost savings and a clear path towards retirement.

Through in-depth fact-finding and goal implementation, we were able to expose these shortfalls.

The Solution & Outcome


  • Moved accounts under one advisory team
  • Combined accounts with similar tax treatment
  • Reduced portfolio costs by 85% percent using non-traditional indexing strategies
  • Provided hybrid ETF based portfolio solutions
  • By reducing portfolio drag, overall returns have improved in volatile market conditions
  • Implemented tax diverse accounts (ROTH source) to offer options depending on tax environment