Pre-Retirees
Make The Move Into Retirement With Confidence
The years before retirement are often filled with big questions. You’ve saved diligently, but you may be wondering whether it’s enough, how long your money needs to last, and what retirement will really look like. Many pre-retirees we work with are less worried about market returns and more concerned with understanding their numbers, their income, and their options. We help replace uncertainty with clarity so you know where you stand and what’s possible.
Clients Often Ask
In this stage of life, the stakes feel high and decisions feel more permanent. These are some of the most common questions we hear from clients preparing for retirement.
Can I actually afford to retire when I think I can?
This is usually the first and most important question clients ask. To get you an answer, we build a detailed retirement plan that looks at your income sources, spending needs, taxes, and time horizon to determine whether your ideal retirement is realistic.
How much can I safely spend each year in retirement?
Many people approach retirement unsure of how much they can spend without running out of money. We focus heavily on cash flow planning, helping you understand what’s sustainable over time and how your spending may change in different phases of retirement. This clarity often gives clients the confidence to enjoy retirement more fully.
When should I start taking Social Security?
The timing of your Social Security will depend on your situation. We analyze different claiming strategies based on your full financial picture, not just one account or benefit. The goal is to choose the option that supports your long-term income and tax efficiency.
How will taxes affect my retirement income?
With your income sources shifting, your tax situation will change in retirement. With Ivana’s CPA and CFP® professional experience, tax strategy is built directly into your retirement plan, helping reduce unnecessary tax drag on withdrawals, Social Security, and investment income.
How should my investments change as I get closer to retirement?
As retirement approaches, the focus of your investments will shift from accumulation to income and stability. We design investment strategies that align with your timeline, income needs, and comfort level.
What if the market drops right as I retire?
This is a common and very real concern. We plan for market volatility by structuring your assets with time horizons in mind, helping ensure that near-term income needs aren’t exposed to short-term market swings. When clients understand how their plan works, market headlines tend to carry less stress.
*All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.
Understand Where You Are & Where You’re Going
Build confidence with a plan that supports the life you want to live. Explore our services to see how our integrated approach to tax, investment, and retirement planning can help you move forward with clarity.