08/31/2026
"We're looking to retire in 2 years. I don't know if we've saved enough."
This is a couple making $250k collectively.
Together they had a couple million in retirement savings and emergency savings. It was in several 401ks, savings accounts, pension plans, etc. They weren't sure how to strategically turn those dollars into income.
First, we identified all the accounts and organized the data. I educated them on the different accounts and what the tax implications of each would be in retirement. We made sure all the accounts had beneficiaries on them. I created a plan that gave them guaranteed salary and contingency plans that give them the permission to spend in retirement as well as set up legacy in case something happened.
She was able to confidently set her retirement date and understand exactly what her budget was going to be to accomplish all the goals they had for their retirement years. He's still deciding when he wants to retire, but it's a choice now. He knows exactly what it means if he retired today or 2 years from now.
