Michael O. AdairManaging Director, Senior Investment Consultant | 2018


For high-net-worth clients, especially those in retirement, income generation is often a critical need.

Every client wants a portfolio that provides a healthy return relative to the risk taken.

We work with advisors to conduct a detailed analysis of a prospect’s existing portfolio focusing on the effect taxes will have. Based on an in-depth analysis of a client’s current portfolio, we identify ways to optimize a client’s newly designed personalized portfolio for cash flow and tax liabilities. We strive to derive as much of our return as possible from more predictable sources of return (than asset appreciation), such as interest income, dividends, and coupons.

The case study below illustrates the positive potential that an in-depth portfolio review can have on income generation.

A client wanted to increase predictable cash flow in a tax-advantaged manner. The portfolio was a model allocation, and the client's former advisor was not meeting income needs. City National Rochdale completed a portfolio analysis and identified opportunities to structure a high-net-worth custom portfolio to optimize cash flow and minimize tax liabilities.

As a result, projected after-tax income increased 94%, an incremental $88,000 per year.

For high-net-worth clients, especially those in retirement, income generation is often a critical need.

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Important Disclosures

The information presented does not involve the rendering of personalized investment, financial, legal, or tax advice. This presentation is not an offer to buy or sell, or a solicitation of any offer to buy or sell, any of the securities mentioned herein.

Certain statements contained herein may constitute projections, forecasts, and other forward-looking statements, which do not reflect actual results and are based primarily upon a hypothetical set of assumptions applied to certain historical financial information. Certain information has been provided by third-party sources, and, although believed to be reliable, it has not been independently verified, and its accuracy or completeness cannot be guaranteed.

Any opinions, projections, forecasts, and forward-looking statements presented herein are valid as of the date of this document and are subject to change.

As with any investment strategy, there is no guarantee that investment objectives will be met, and investors may lose money. Returns include the re¬investment of interest and dividends. Investing involves risk, including the loss of principal. Diversification may not protect against market loss or risk. Past performance is no guarantee of future performance.

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