Timing
Working another year may improve the plan, but the improvement has to be weighed against the year of retirement you give up. We show both sides.
Retirement planning
Planning for Retirement
Whether retirement is approaching or already underway, using your savings can feel very different from building them. We help you connect income, spending, taxes, and family responsibilities to the life you want in retirement.
The change
Retirement changes the job of your money.
A retirement plan has to replace a paycheck, survive bad markets, handle taxes, and leave room for a life that is still taking shape. It also has to account for the risks that are not investment risks: an adult child who needs help, an aging parent, a house that costs more than expected, or two spouses with different ideas about spending.
Before the last paycheck
Questions worth answering before you choose a date.
A retirement date is easier to evaluate when the surrounding decisions are visible.
- What will replace the paycheck each month, and which accounts should provide it?
- When should Social Security and any pension benefits begin?
- Which years offer useful opportunities for Roth conversions or realizing capital gains?
- How much can markets fall before the plan requires an uncomfortable change?
- What will health insurance cost before Medicare, and what happens if long-term care is needed later?
- Are family support, travel, a move, or a second home part of the budget—or still only an idea?
Where we spend our time
Bring timing, spending, and risk into the same plan.
We compare what your choices would mean for both your finances and your time.
Spending
After decades of saving, spending can feel uncomfortable. We help you understand what you can spend, what to keep in reserve, and when the plan may need to change.
Preparing for change
We examine how a market decline, care expense, or family obligation could affect your plans and what adjustments would be available.
Related pages
Retirement questions often lead here.
Retirement planning
Bring us the date you are considering.
Tell us about the retirement you are considering. We can discuss how ongoing planning would help you prepare and adapt.