WMCP case studies
WMCP · Put your knowledge to work in context.
The Wealth Management Certified Professional® (WMCP®) is a foundational designation offered by The American College of Financial Services, developed with asset-management practitioners for advisors who want a structured, goal-based approach to managing client wealth. It suits financial professionals - particularly those working with higher-net-worth clients - who want a practical framework for building broadly diversified, tax-efficient portfolios aligned to client goals, and it can serve either as a first specialist credential or as a complement to broader planning coursework. The curriculum is three 100% online courses. WMCP 360, Introduction to Goal-Based Planning, covers the life-cycle model of investing, borrowing, and protection, behavioral finance, the planning process, and ethics and regulation. The WMCP case studies are 5 cases and about 5,038 words.
1Three Goals, One Paycheck
Marcus, 52, and Elena Ramos, 50, earn 185,000 and spend 118,000 a year. They save 18,000 into Marcus's 401(k) (a 4% match on his 120,000 salary) and 6,000 into a brokerage account.
919 words, about 5 min2Where the Bonds Live
Priya and Dev Shah, both 47, hold 1,350,000 in Dev's 401(k), 310,000 in Priya's Roth IRA, 520,000 in a joint taxable account (cost basis 340,000), and $95,000 in a money market reserve. Their target is 70% stocks / 30% bonds.
942 words, about 5 min3The 38% Position
Grace Whitfield, 63, is a widow. Her 6.3 million portfolio includes 2.4 million of stock in the company her late husband founded, with a cost basis of 210,000.
1,037 words, about 5 min4Exit Options for an S-Corp Founder
Daniel Okafor, 61, has owned 100% of a specialty manufacturer organized as an S corporation for 22 years. Trailing EBITDA is 1.8 million; he takes a 400,000 salary.
1,119 words, about 6 min5The Conversion Window
Ken and Alice Brennan, 62 and 60, retired last month. Assets: 2.9 million traditional IRA (Ken's), 450,000 Roth, 1.1 million taxable with a 700,000 basis, and 250,000 cash.
1,021 words, about 5 min