Case Study: Turning Low-Yield Cash Into Sustainable Income and Legacy Growth
Jan 20, 2026
From stagnant savings to confidence, higher income, and a stronger legacy
Client Profile
Bill, retired
Primary holdings: CDs and U.S. Treasury bills
Primary concern: Low returns, inflation erosion, and leaving a meaningful inheritance
The Challenge
Bill had carefully protected his savings in CDs and T-Bills. While safe, returns were minimal and barely keeping pace with inflation. He wanted to enjoy retirement without worry, while also leaving a meaningful legacy for his children.
Our Approach
We introduced Bill to market-linked income notes that could:
Triple the income compared to his CDs
Offer 100% principal protection up to 30–40% declines in the stock market index
Allow his portfolio to grow faster over time, supporting both retirement spending and inheritance goals
This strategy let Bill stay comfortably invested, earning more without taking unnecessary market risk.
The Outcome
After reallocating a portion of his cash into income notes:
Earned 11% annualized income, far above traditional CDs
Protected principal, even if markets dropped significantly
Portfolio grows faster, providing flexibility and confidence
Better positioned to leave a meaningful inheritance for his children
Bill now enjoys retirement with confidence, knowing his money is working harder for him today and for his family tomorrow.
Illustrative example only. Not a guarantee of future results.