Case Studies: Clients I’ve Helped

By Jamie Bosse, CFP®, RFC, CCFC

Working with successful individuals and families as they navigate their financial journeys has been one of the most rewarding aspects of my role as a financial advisor. Each client brings unique goals, challenges, and circumstances, making it essential to tailor strategies that fit their specific needs.

In this article, I’m sharing two client case studies that highlight how thoughtful financial planning can make a meaningful difference. These stories showcase the value of collaboration, proactive strategies, and guidance tailored to each client’s situation.

Case Study #1: Strategic Financial Planning for a Growing Family

The Clients

A dual-income couple in their mid-30s, both professionals in high-earning careers, sought financial guidance to optimize their growing wealth. They had multiple financial priorities and wanted to take a more strategic approach to managing their income, investments, and future family expenses.

The Goals

• Minimize tax liabilities, particularly on company stock RSUs.
• Assess and refine their investment strategy.
• Prepare financially for the expenses associated with starting a family

How I Helped

We started by taking a close look at their income and tax situation to find ways to make their money work more efficiently. As their earnings increased each year, so did their tax burden—particularly on their company stock transactions. Through detailed tax projections, we created a proactive strategy to help them manage their tax obligations more effectively and anticipate potential tax implications. Rather than holding RSUs indefinitely, we structured a plan to systematically sell shares upon vesting and redirect the proceeds toward their broader financial objectives.

Next, we analyzed their investment portfolio, which included 12 accounts spread across nine different institutions. Some accounts were sitting in cash, earning little to no return. We streamlined their holdings, consolidating where possible, and tracked down forgotten 401(k) plans from previous employers. We then realigned their investments to match their evolving priorities, helping their portfolio stay aligned with both their long-term growth objectives and immediate cash flow needs.

Finally, we helped them map out the financial implications of expanding their family. This included planning for childcare costs, adjusting cash flow strategies, and structuring their financial framework to support their lifestyle and future goals.

The Outcome

With a plan in place, the couple felt more in control of their finances. Tax complexities and scattered investments were no longer weighing on them, and they had a clear path forward for managing their growing wealth.

Case Study #2: Balancing Business Ownership, College Planning, and Retirement

The Clients

A couple in their 40s, each with children from prior relationships, wanted to make thoughtful financial decisions while juggling multiple priorities.

The Goals

• She wanted to leave her corporate job to start her own business.
• They needed a plan for their children’s college expenses.
• They wanted to stay on track for a fulfilling retirement.

How I Helped

We started by reviewing their current finances to understand how long they could rely on one income while she built her business. To create more financial flexibility, we structured a savings plan that would provide a strong cash reserve for the early stages of her new venture. Once the business was up and running, we revisited their retirement strategy and set up a retirement plan within the new company to keep their long-term savings on track.

For college planning, we opened 529 accounts and structured contributions to cover tuition for each child. 

To simplify their financial habits, we set up automated savings, making it easier to stay consistent with their retirement contributions without needing to manually transfer funds each month.

The Outcome

With a solid financial plan in place, they felt more confident about moving forward. She was able to transition into entrepreneurship with a financial cushion, their college savings plan was structured to support their kids' education, and they had a clear path toward retirement in their late 50s.

I’m Here to Help

If any of these stories resonate with you—or if you have a different financial concern you'd like to discuss—I’d love to connect. At CGN Advisors, we take the time to understand your unique situation and explore strategies that fit your needs.

To schedule a meeting, call our Manhattan, KS, office at (785) 340-3434 or our Rogers, AR, office at (479) 335-1034.

About Jamie

Jamie Bosse, CFP®, RFC, CCFC, is a Senior Advisor at CGN Advisors, a Fee-Only, financial advisory firm based in Manhattan, Kansas. In her role, Jamie works with individuals and families to organize their financial lives, maximize their human capital, and move closer to their life goals. She specializes in working with parents in their 30s and 40s, a life stage where many can feel “stuck” balancing career advancement, family time, and financial goals. Jamie helps clients navigate these competing priorities and make real progress. Her empathetic approach, grounded in her own experience as a working mother of four, resonates with clients, who appreciate her non-judgmental, forward-focused guidance. An advisor since 2004, Jamie finds immense satisfaction in partnering with clients on their financial journey. She loves hearing them say, “We are finally turning into the people we aspired to be.

Selected from a nationwide pool based on her accomplishments, contributions, leadership, and promise, Jamie was named to the “Investment News 40 Under 40” list in 2020 and was part of the Leadership Manhattan Class of 2020. She is also a passionate advocate for financial literacy, creating educational videos and articles, and has been featured in the Kansas City Star, KC Parent, The Journal of Financial Planning, Manhattan Neighbors, The Register, Solutions, Investment Advisor Magazine, CNBC, and Kansas City PBS. 

Jamie holds the CERTIFIED FINANCIAL PLANNER® designation, is a graduate of the Kansas State University Personal Financial Planning Program, and the author of Money Boss Mom: Helping Young Parents Be the “Boss” of Their Financial Future and the Milton the Money Savvy Pup children’s book series. Outside of work, she enjoys watching the K-State Wildcats and her kids’ soccer and baseball games. Her time is filled with hobbies including writing books, reading, traveling, and entertaining friends. To learn more about Jamie, connect with her on LinkedIn. 

Investment advisory services are offered through CGN Advisors, LLC, a fee-only SEC registered investment advisor. Tel: (910) FEE-ONLY. 

Investing involves substantial risk and has the potential for partial or complete loss of funds invested. Investments mentioned may not be suitable for all investors. Before investing in any investment product, potential investors should consult their financial or tax advisor, accountant, or attorney with regard to their specific situation. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.

The opinions expressed herein are those of certain CGN Advisors, LLC personnel and are subject to change without notice. The opinions referenced are as of the date of publication and are subject to revision due to changes in the market or economic conditions and may not necessarily come to pass. Any opinions, projections, or forward-looking statements expressed herein are solely those of the author, may differ from the views or opinions expressed by other areas of the firm, and are only for general informational purposes as of the date indicated.