Youth on Course – 100 Hole Hike
October 5, 2018
Investor Series – Price
October 5, 2018

Client Story – Planning for Retirement

The story below is a fictional client narrative. All characters and events in this publication are fictitious and any resemblance to real persons, is purely coincidental

What prompted this pre-retiree couple to reach out to us was their interest in planning for retirement.

Bob was having health issues and was challenged to maintain his job performance. His wife Sarah needed more time to spend with her aging parent, her daughter and grandchildren.  They have been do-it-yourselfer savers and investors for many years.  They both were aware that Bob’s retirement from his current profession was a life-changing event and they wanted to make sure they made good financial decisions.

After conducting an initial 15 minute phone call to review their goals and overall circumstances, I noticed their do-it-yourself plan was characterized by a lot of activity without clear direction.

Once the couple engaged our services, we identified the top priority financial planning area and the actions that needed to be taken to get this couple moving toward their goals. The first step in this process was selecting a targeted retirement date for Bob. By selecting a targeted retirement date for Bob, we established a point in time at which their income would need to be supplemented by sources other than employment income, and could forecast how much money they would need to carry them through retirement. The top financial planning area we worked on was assisting Bob with capitalizing on his stock plan at work. We followed that by putting an investment plan in place to deploy their capital to meet their goals.  A cash flow plan was then created to identify a sustainable spending level in retirement.

Bob was able to retire recently, and is looking forward to pursuing some personal interests  and improving his personal health. Sarah is spending more time with the family and learning to relax into their plan.

If you find yourself in a situation similar to this one, feel free to reach out to us to find out how we can help you.







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Mark Shone CFPMark Shone, CFP

Phone: 925.472.0874
Mobile: 925-209-3771
Fax: 925-472-0884

Mark Shone, CFP®, founder of Shone Asset Management LLC, is responsible for all aspects of Financial Planning and Asset Management at Shone Asset Management and works directly with clients of the firm. He has been in the business since 1988 and founded the firm in 2005 as a fee only financial planning and asset management business. Prior to founding Shone Asset Management, he was a Managing Director and Neuberger Berman and Lehman Brothers. Mark has a degree in Finance from California State University, Sacramento, competed his certificate in taxation at UCLA and completed a course of study at the Wharton School.

Mark enjoys helping families and clients map out the financial life they want to create and helping them by making smart decisions over time. He has extensive experience speaking on and guiding clients through topics such as retirement planning, preparing for the cost of education, investment allocation strategies, estate planning topics, insurance and behavioral finance. He is committed to helping clients maximize their full wealth potential.

In his spare time Mark enjoys golfing, is an avid sports fan and is a drummer for the band Stagefrite which plays cover songs from the 80’s to today.


Gail Markham

Director of Client Service

Gail has worked in the Financial Services industry since 1983; as a Bank Manager, and as an Investment Advisor as well as Compliance Manager for major Wall Street firms.  She is a graduate of the University of the Pacific.

Gail is a long time resident of the East Bay.  She lives in Walnut Creek with Will, her husband of 26 years.  She has two children, Jack & Kelly who are college students.

Gail enjoys golf, hiking, traveling, gardening, wine and college basketball.


Griffin Daniel Sheehy

I came on board with Shone Asset Management in 2016 and as Financial Associate, I provide support in the areas of investment planning, financial planning, and portfolio management. I am a graduate of Cal Poly San Luis Obispo’s Orfalea College of Business where I earned a Bachelor of Science of Quantitative Economics concentrated in Financial Management. Post-graduation, I went straight to work for Waddell & Reed, which is a large advisory firm that specializes in financial and investment planning. I started there in an assistant-type role until earning my Series 7 and Series 66 licenses and at that time promptly transitioned into an Advisor Associate role. Having those licenses allowed me to not only engage in full support on the client servicing side, but in the financial and investment planning process as well. This is where I learned just how critical developing, implementing, and constantly reviewing a solid all around plan is to the success of one’s financial goals. While in college, I interned at Northwestern Mutual in Sacramento where I earned my Insurance License and was educated in the value of managing the risk of unforeseen events in life. I also interned at a small commodities market research firm based in Petaluma, California called Streetwise Reports.

I am married and in my free time I enjoy outdoor activities with my beautiful wife like taking beach trips and hiking. I also enjoy playing sports in local leagues for baseball and basketball.