RETIREMENT PLANNING
Five decisions to coordinate before retirement
Retirement readiness is not one number. It is a set of connected choices that can become easier when considered in the right order.
Define the transition you are planning for
Start with the life change itself. Timing, part-time work, travel, family responsibilities, and desired flexibility can affect the financial questions that follow.
Organize the income conversation
Map the potential sources of income, the spending they may need to support, and which choices involve timing or tradeoffs. The goal is a useful picture, not a false sense of precision.
Revisit the job of the portfolio
A portfolio supporting accumulation may need a different conversation as withdrawals, liquidity, and near-term decisions become more important.
Surface tax and healthcare questions early
Some retirement choices interact with taxes, benefits, or healthcare coverage. Identify questions early enough to involve the appropriate independent professionals.
Prepare for decisions that are not purely financial
Where you live, how you spend time, whom you support, and what you want to preserve are not side notes. They are part of the plan.
