Shawn Nutley discusses an investing success story and how one couple became millionaires in this in-depth presentational blog. For more information, please visit ShawnNutley.com!

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Presented by Shawn Nutley
AN INVESTING SUCCESS
STORY: HOW ONE COUPLE
BECAME MILLIONAIRES

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Introduction
Becoming a millionaire seems out of the realm of possibility for most
Americans. Jeff and Helen Brown are not most Americans. Their conservative
financial strategies have allowed them to amass multiple millions. These are not
90-year-olds who have 70 years of compounding investments behind them. Jeff
is 52 years old. Helen is 50.

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Their Strategy The strategy that the Browns have employed is not far outside the
ordinary recommendation for folks in their early 50s. Their asset
allocation has 60 percent of their portfolio invested in stocks and the
other 40 percent in bonds and cash. Much of this nest egg is currently
invested through index funds that charge low fess and just try to track
the overall market. They also have some of their savings in actively
managed funds. Additionally, about 60 percent of the portfolio that the
Browns own is held in tax-advantaged retirement and educational
savings accounts. This has allowed them to increase their savings at a
more rapid rate because less money is going to the tax man each year.

4. Saving a few bucks a month will not build up a million-dollar
portfolio very quickly. Helen Brown began saving early and
often. In fact, she started out saving 35 percent of her take-
home pay immediately out of college while selling computers
for IBM. Rather than buying expensive toys, she was laser-
focused on savings. Today, the couple has three kids, and
Helen ended her tenure working outside the home. Jeff, a
corporate attorney, is still able to save a third of his pre-tax
income. The couple also pushes any money that’s left over at
the end of the month into their investment accounts. Jeff
works to make sure that he maxes out any tax-advantaged
investment accounts to make the most of his income.
The Browns handle most of their investments themselves. Jeff
takes around 30 hours each month to track how the family is
coming along with their investment goals. They continued with
their plan and continued investing throughout the Great
Recession, which allowed them to build wealth while most
people panicked and sold at the bottom. The couple meets
with a financial planner yearly to discuss any major plans.
Their impressive level of organization has allowed them to
grow their wealth over time. Few people can say that they are
multimillionaires. The Browns count themselves among this
elite group.
High Savings
Percentages

5. Thank You!
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