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Case Studies

“Tom and Jennifer”* were quite well off when they were first introduced to CPS, having an estimated net worth of approximately $6 million. Tom’s position as a senior partner in a well-known accounting firm was quite secure and resulted in an excellent ongoing income structure.  Jennifer received some additional income through a part-time consulting practice, but was primarily a stay-at-home mom.

Much of the couple’s existing net worth was tied up in real estate investment properties, so they were actively seeking to diversify into safe, liquid, cash-like assets. The plan was to start allocating approximately $100,000 per year into this new investment and build up some liquidity over time. The couple was very cautious in selecting their asset class and wanted to feel as comfortable as possible with their choice; any new investment strategy would need to provide both maximum safety and maximum liquidity.  The life objectives behind the liquidity goal included:

CPS’ work with Tom and Jennifer followed our four-step process:

Each CPS client comes in with specific objectives and financial circumstances.  Once clients complete our process, they are in a good position to make informed, independent financial decisions that they believe are likely to support their goals.

Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal or investment advice. Although the information has been gathered from sources believed reliable, please note that individual situations can vary. Therefore, you should consult your professional tax and legal advisors.

The information or opinions contained in this website should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment and/or financial product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered and/or licensed and in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered and/or licensed in the state where the consumer and/or prospective client reside.

*All scenarios and names mentioned herein are purely fictional and have been created solely for illustrative/educational purposes. Any resemblance to existing situations, persons or fictional characters is coincidental. The information presented should not be used as the basis for any specific investment advice. This material is intended for general public use. By providing this material, CPS is not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial professional for guidance and information specific to your individual situation.


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Tom and Jennifer

Milton and Brenda

Scott with Philip J. Whitman, CPA, President of Whitman Business Advisors LLC, a business advisory firm specializing in working with CPAs and their firms. When we first started working with Philip, he was Chief Operating Officer of Berdon LLP, the 30th largest accounting and advisory firm in the U.S.