Retirement on the Horizon

They were both uneasy about the prospect of losing their paychecks and reverting solely to drawing down their retirement funds.

Tom & Michele believed that they had enough saved to retire but felt they should get some guidance and instruction to confidently move forward.

Their asset organization was practically non-existent as they had 401(k)'s and IRA's spread across providers and old advisors - who think more like stock brokers.

They had a list of very common questions, like:

How do we consolidate retirement accounts?

How much is healthcare going to cost, and can we afford to retire before Medicare at age 65?

Should our investments change drastically now that we’re switching from saving to spending?

What are we even invested in anyway?

Tom and Michele decided it made sense for them to sit down with a professional that would make a point to listen to their goals and worries. 

While working through the situation, the couple was able to clearly list their priorities and focus in on what’s really important in their retirement.

By working with someone who’s a specialist in their respective needs, they can sit back and relax as a tailored approach is created.

After careful consideration to all the moving parts associated with individuals in the right-on-the-cusp of retirement phase, Tom and Michele had the answers and knowledge of what they were missing.

They now knew what was needed to:

Maximize their remaining savings potential while working.

Organize their assets to simplify their life AND take advantage of tax laws.

Build a timeline to realize the future changes in cashflow like Social Security starting points.

Potentially reduce future taxes by re-positioning assets where it makes sense.

This plan provides them with the tools needed to enjoy their remaining working years and look forward to an exciting future.