The Retirement You've Earned — Made Certain

The "right" number depends entirely on your lifestyle, expected expenses, health, Social Security benefits, and other income sources. The popular 25x rule (saving 25 times your annual expenses) is a reasonable starting point, but the real answer requires a personalized analysis. This is exactly the kind of question we address in your retirement readiness assessment.

This is one of the most impactful retirement decisions you'll make. Claiming at 62 versus 70 can mean a difference of 76% in your monthly benefit. The optimal strategy depends on your health, other income sources, spousal benefits, and tax situation. We model multiple scenarios and identify the claiming strategy that maximizes your lifetime income.

A Roth conversion moves money from a traditional IRA or 401(k) — where withdrawals are taxed — to a Roth IRA, where qualified withdrawals are tax-free. Whether and how much to convert depends on your current tax bracket, projected retirement income, and estate goals. Done strategically over several years, Roth conversions can significantly reduce your lifetime tax burden.

Healthcare is often the largest and most unpredictable expense in retirement. We help you plan for the pre-Medicare gap (if you retire before 65), evaluate Medicare options and supplemental coverage, and model long-term care costs so they don't derail your financial plan.

Yes, significantly. The SECURE 2.0 Act changed required minimum distribution ages, expanded catch-up contribution limits, created new Roth options in employer plans, and introduced auto-enrollment provisions. We stay current on all relevant legislation and proactively update your plan when the rules change.