The RITE Path: A Holistic Approach to Financial Planning
Retirement | Investments | Tax | Estate | Probate – For Lifelong Confidence
At FBS Securities, financial planning is more than just numbers—it’s about clarity, control, and confidence across every stage of life. We combine cutting-edge technology with personalized advice to build actionable financial plans that serve your values, family, and legacy.
Case Studies:
The Martinez Family – Financial Turnaround with RITE path
Carlos and Sofia Martinez, high earners in their 40s, were overwhelmed with debt and unclear goals. Through our plan:
We implemented a 50/30/20 budgeting system.
Consolidated high-interest debt and used the avalanche method to eliminate $25K in credit cards.
Opened 529 plans and increased retirement savings from 8% to 15%.
Delayed a vacation home purchase while building equity.
Outcome: In 3 years, they erased debt, built college funds, increased retirement contributions, and achieved financial peace of mind.
The Johnsons –
Confident, Tax-Efficient Retirement
David (58) and Lisa (56) needed a retirement plan that matched their lifestyle. Our roadmap included:
Tax-efficient withdrawal sequencing
Roth conversions in low-income years
Social Security optimization for max lifetime benefit
HSA and LTC strategies for future care
Outcome: David retired at 60, Lisa consulted part-time, and their finances supported their travel dreams and family legacy.
The Patels –
Protecting a Legacy Through Estate Planning
Business owners Raj and Meera needed to structure a smooth business transition and protect their estate. Our plan included:
Revocable Living Trusts to avoid probate
Buy-sell agreement for business succession
ILIT and gifting strategy to minimize estate taxes
Medicaid Asset Protection Trust + hybrid LTC policies
Outcome: Their family avoided legal conflicts, minimized tax burden, and ensured the next generation was set up to thrive.
Disclaimer: This case study is a hypothetical scenario created for illustrative purposes only. While the income figures, tax implications, and retirement strategies discussed have been evaluated for realistic financial accuracy, Dr. Alice is a fictional character and not an actual client. Individual circumstances vary, and this content should not be considered personalized financial, tax, or legal advice. Please consult with a qualified advisor before making any financial decisions.
Disclosures: Illustration Images by upklyak on Freepik
Why Clients Choose FBS for Financial Planning
Fee transparency – flat-fee, fiduciary-based planning
Full asset tracking, including held-away assets
Integrated estate planning with Encore’s digital-first platform
Scenario modeling using RightCapital
Multigenerational guidance and legacy focus
Let’s Build a RITE Path for you
Start with clarity. Stay on track. Protect your legacy.
One-Time Comprehensive Plan
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Retirement projection
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Investment review
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Tax Strategies
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Estate Considerations
Annual Planning & Tracking
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Progress check-ins
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Ongoing advice
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Updates as your life and finances evolve
Estate Planning Package
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Revocable living trust
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Will
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Healthcare directive
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Power of attorney
Right Capital Software
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Modeling Scenarios
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Track Managed Assets
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Track Held-away Assets
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Real time snapshot of financial health