Client Profile: A 58-year-old nearing retirement with a moderate-sized portfolio and a primary goal of capital preservation and generating reliable income to supplement their pension.

Challenge: The client was anxious about market volatility and the potential for a significant downturn to erode their retirement savings. Their existing portfolio was too exposed to growth-oriented stocks and lacked sufficient fixed-income assets.

Solution: Using Financial Analysis, I restructured the client's portfolio with a focus on Risk Management. We allocated a greater percentage to high-quality corporate bonds, dividend-paying stocks in defensive sectors (utilities, consumer staples), and real estate investment trusts (REITs). This shift prioritized stable income generation and reduced market-based fluctuations.

Results: The new portfolio delivered a steady 4% annual income stream, helping the client feel secure about their upcoming retirement. The lower volatility provided peace of mind, allowing them to transition into retirement confidently without fear of a major market correction.