Ana just turned 26 years old. After losing her parents in a car accident a month ago, she inherited $5 million. She is very optimistic about the current market and has asked your firm to identify a personal wealth portfolio, commensurate with that market outlook and risk level, which outperforms the S & P 500 performance return. She prefers to invest in stocks, bonds, and mutual funds, but is open to other options including offshore investments or other strategies to minimize her tax burden. Because she is a single parent to her one-year-old son, Robert, and is currently attending graduate school, she also needs to keep some of her assets available to pay tuition and daycare expenses over the next two to five years. She also wants to make sure Robert is provided for should something happen to her. Although retirement is many years away, she would like to start planning for that eventuality. Ideally, she would like to retire at age 60, with at least $100,000 per year annual income (adjusting for inflation and not including pension or social security benefits), and ideally more.

Now, imagine Ana also recently created a fast-growing technology limited liability corporation (LLC) that she wants to see grow and succeed. The business currently employs five full-time staff, and the client is heavily involved in managing the company. However, Ana expects the company to grow rapidly, and would eventually like to sell the business to pursue other interests.