Strategic Retirement

It depends on your lifestyle, healthcare needs, and retirement goals. A common rule of thumb is 25x your annual expenses, but this varies widely. We analyze your specific situation — including Social Security, pensions, healthcare costs, and desired lifestyle — to determine your personalized retirement number.

The best time to start is 5-10 years before retirement, but it's never too late. Planning ahead gives you time to optimize Social Security, execute multi-year Roth conversion strategies, and adjust your savings or spending if needed. Even if you're already retired, proper planning can significantly improve your tax efficiency and income longevity.

A retirement planner helps you transition from saving to spending by creating a comprehensive income strategy. This includes coordinating Social Security, pensions, investment withdrawals, tax planning, Medicare decisions, and estate planning. The goal is to maximize your retirement security while minimizing taxes and ensuring your money lasts throughout retirement.

We're fiduciaries who specialize exclusively in retirement planning for families with $500K+ in assets. Unlike large brokerages or insurance agents, we don't earn commissions on product sales. We provide comprehensive planning that coordinates all aspects of retirement — income, taxes, Social Security, Medicare, and estate planning — not just investment management.

Possibly, but it requires careful planning. Early retirement means no Social Security until 62+, no Medicare until 65, and a longer retirement to fund. We model your specific scenario to determine if early retirement is feasible, what income sources you'd use to bridge the gap, how to manage healthcare costs, and what adjustments might be needed to make it work.