Choose Your Path
5 Years or Less Until
Retirement
Choose Your Path
10+ Years From Retirement
Close enough to see it. Far enough to fix it.
This is the most important decade in your financial life.
Mistakes here are expensive. Smart planning here is powerful.
This is where we turn growth into precision.
Your Primary Goals
What We Focus On
Retirement Paycheck Planning (Before You Need It)
- Project future income sources (Social Security, pensions, investments)
- Identify income gaps early — while you can still fix them
- Build multiple “paycheck” streams instead of relying on one
Tax Planning Becomes the Main Event
- Roth conversion windows
- Capital gains harvesting
- IRMAA awareness (before Medicare surprises you later)
Portfolio Evolution (Not a Sudden Shift)
- Gradually reduce risk without killing growth
- Add downside protection and income components
- Stress-test portfolios for real retirement scenarios
Estate & Legacy Strategy Gets Real
- Updated estate documents
- Beneficiary alignment
- Planning for kids, charities, or both
Outcome
You’re no longer guessing.
You know when you can retire, how it gets funded, and what needs to happen next.
Skipping planning at any stage is like skipping bloodwork at your annual physical. You might feel fine — until you don’t.