Senior Wealth Advisor
Financial planning for the years leading up to retirement
Retirement often starts to feel real several years before your final day at work. You may be wondering whether you have saved enough, how long you want to keep working, or what daily life could look like when your schedule is finally your own.
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I help people approaching retirement bring those questions into one plan. We look at the financial details, but we also spend time on the life those numbers need to support. The goal is to give you a clearer sense of what is possible, what deserves attention now, and which decisions can wait.
Starting with the retirement
you have in mind
A useful retirement plan begins with your priorities. Some people want to stop working as soon as the plan allows. Others would prefer to shift into consulting, reduce their hours, travel more, or make time for family. Your preferred pace affects how much income you may need and how much flexibility the plan should preserve.
We can talk through questions
such as:
When would you like work to become optional?
What would make you feel comfortable moving forward?
What level of spending would support the retirement
you picture?
How much room would you like for travel, family support,
or an unexpected cost?
Which expenses may change once you leave work?
Understanding whether the timing works
Before choosing a retirement date, I help you see how income, savings, spending, and risk fit together. We can model different dates and assumptions, then look at how each choice changes the plan. A small adjustment to timing, spending, or savings can sometimes create more flexibility, and the comparison makes those tradeoffs easier to understand.
This work can be especially helpful if you hope to retire before 60. The years before Medicare and Social Security may require a deliberate bridge from work income to retirement income. Health coverage, accessible savings, pension choices, and the order of withdrawals all become part of that conversation.
Bringing retirement income into view
As retirement gets closer, the question gradually changes from how much you have saved to how those savings may support regular income. We can map expected Social Security benefits, pension income, cash reserves, workplace accounts, IRAs, and taxable investments. Then we can consider how those sources might work together over time.
The plan should also account for taxes and investment risk. I coordinate withdrawal choices with the portfolio and the rest of your income. When tax or legal advice is needed, I can work with your CPA or attorney so the professionals involved are working from the same information.
Decisions that come with leaving work
Retirement may bring several one-time choices. You could be deciding what to do with a 401(k), evaluating a pension option, reviewing employer benefits, or updating insurance and beneficiaries. I help you compare the available choices, understand the practical differences, and keep the decision connected to your larger plan.
Keeping the plan useful after retirement begins
A retirement plan should continue to evolve. Spending may look different than expected. Markets, tax rules, health needs, and family priorities can change. Regular reviews give us a chance to update assumptions, revisit income, and make measured adjustments when life calls for them.