Real financial success is about more than numbers—it is about helping people feel clear, confident, and in control of their money.
Here are real-world examples of how individuals, families, and business owners have worked to eliminate unnecessary risk, reduce taxes, protect income, and put long-term strategies in place designed to last.
Pre-Retiree Couple: “Planning the Early Retirement Dream”
Client Story:
Rebecca (57) and Michael (58) wanted to retire at 62, despite being unsure about when to claim Social Security or how to handle their 401(k) balances. They came to Rigel Blue Star Financial seeking clarity and security.
Step-by-Step Solution:
Results:
Rebecca and Michael retired at their chosen age, took Social Security at optimal breakpoints, and enjoyed peace of mind knowing their healthcare and income would be protected for life.
Compliance Note:
All recommendations were provided with disclosures about investment risk and tailored to their personal circumstances, supported by planning software and periodic updates.
Retiree: “Turning Savings into Lifelong Income (With Room to Travel)”
Client Story:
Maria, age 68, a retired school administrator, feared outliving her savings with increased living costs and potential healthcare expenses.
Step-by-Step Solution:
Results:
Maria’s retirement is worry-free—her income covers all needs and allows annual cruises, with healthcare and inflation risk in check.
Business Owners: “Selling the Family Business—Leaving a Legacy”
Client Story:
Mark, 62, was selling his manufacturing plant, worried that taxes and poor planning could cut his $2 million windfall in half. He wanted a secure retirement and hoped to set aside funds for his grandchildren.
Step-by-Step Solution:
Results:
Mark retired with secure, lifetime income streams, reduced income and estate taxes, and left a protected, multi-generational legacy.
Compliance Note:
Reviewed with his CPA and estate attorney. All strategies followed current tax laws and fiduciary standards.
Physician: “IRMAA-Proof Retirement for the High-Income Doctor”
Client Story:
Dr. Harris, 61, wanted to transition from full-time practice to part-time consulting, and was shocked by potential Medicare IRMAA surcharges.
Step-by-Step Solution:
Results:
No unwanted Medicare surprises; a smooth transition from work, and philanthropic goals achieved.
Dentists & Veterinarians: “Practice Sale, Peace of Mind”
Client Story:
Dr. Lin, 59, a veterinarian, expected a practice sale lump sum and wanted tax efficiency and asset protection for his family.
Step-by-Step Solution:
Results:
Dr. Lin felt secure, knowing his lifetime work provided lasting value for two generations.
High Net Worth Individual: “The Art Collector’s Estate Plan”
Client Story:
Susan, 70, built her wealth through investments, salaries, and an extensive art collection. She wanted to avoid probate, maximize charitable bequests, and simplify RMD complexity.
Step-by-Step Solution:
Results:
Susan reduced her taxable estate by nearly $1 million and created an enduring legacy for her family and community.
All content on this website is for general informational purposes only and should not be construed as individualized tax, or legal advice. You should consult your own qualified tax and/or legal professional regarding your specific situation before making any decisions.
Separate from any employer plan and separate from our role as retirement income specialists, we may, in our capacity as licensed professionals, recommend the purchase of certain retirement-type or pension-type accounts, or insurance products. You are under no obligation to purchase any product or follow any recommendation, and any decision to do so is entirely voluntary and based on your independent evaluation.