The First Five Years of Retirement
How Early Retirement Decisions Can Shape the Years That Follow
Explore why the first years after the paycheck stops can be especially important, and how withdrawal order, Social Security timing, cash reserves, taxes, healthcare, and market conditions interact.
What you’ll work through
- Early-retirement sequence risk
- Withdrawal order and cash reserves
- Social Security and tax timing
- Building flexibility into the plan
What you’ll leave with
Leave knowing which early-retirement decisions deserve the most attention and why flexibility can matter during the first five years.
Build Your Written Retirement Income Plan
Leave With a First Draft of Your Retirement Paycheck Plan
A hands-on retirement planning workshop for turning your income sources, Social Security and pension decisions, retirement accounts, and withdrawal ideas into a first written retirement-paycheck draft.
What you’ll work through
- Define your retirement paycheck
- Map dependable income sources
- Identify the income gap
- Build a first withdrawal sequence
What you’ll leave with
Leave with a first-draft retirement income map, a first-draft paycheck plan, and a list of gaps and next steps.
Retirement Mindset & Roadmap
Turn Uncertainty Into a Retirement Plan
Shift from accumulation-only thinking to a coordinated retirement roadmap that connects income, Social Security, taxes, withdrawals, healthcare, longevity, and survivor planning.
What you’ll work through
- Accumulation versus retirement-income thinking
- Why performance is only one piece
- The retirement decision roadmap
- Common gaps before retirement
What you’ll leave with
Leave understanding the retirement decisions you need to make, the order in which they fit together, and where your current roadmap may have gaps.
Reduce Retirement Risk. Build More Reliable Income.
How to Create a Retirement Income Strategy Designed for Changing Markets and Changing Life
Learn how market risk, inflation, longevity, taxes, healthcare, and survivor income can affect the retirement paycheck, and how a coordinated income strategy can create more resilience.
What you’ll work through
- Sequence-of-returns risk
- Inflation and longevity
- Taxes and withdrawal order
- Healthcare and survivor income
What you’ll leave with
Leave able to identify the major risks to your retirement income and the building blocks of a more reliable retirement paycheck.
Build Your Written Retirement Income Plan
Leave With a First Draft of Your Retirement Paycheck Plan
A hands-on working session for organizing retirement income needs, dependable income sources, Social Security and pension decisions, account information, and a first-draft withdrawal approach.
What you’ll work through
- Estimate your retirement income need
- Map Social Security, pensions, and other income
- Inventory retirement accounts
- Build and stress-test a first withdrawal sequence
What you’ll leave with
Leave with a first-draft retirement paycheck plan, a list of what is already in place, and a clear list of gaps and next steps.
When Assumptions Meet Reality
The Hidden Risks That Can Disrupt Your Retirement Plan
A deeper retirement-risk seminar built around the assumptions many plans depend on, including market returns, spending, inflation, longevity, healthcare, taxes, and survivor income.
What you’ll work through
- Sequence-of-returns risk
- Inflation, longevity, and healthcare exposure
- Survivor income and tax changes
- How to stress-test a retirement plan
What you’ll leave with
Leave knowing which assumptions your retirement plan depends on and which ones deserve to be stress-tested before retirement.
The 10-Year Retirement Countdown
What to Know Before the Paycheck Stops
A practical look at the decisions that become more important in the final 10 years before retirement, from income needs and Social Security timing to taxes, healthcare, market risk, and survivor planning.
What you’ll work through
- The shift from accumulation to retirement income
- Social Security, pension, and benefit timing
- Taxes, healthcare, longevity, and sequence risk
- The first five years after retirement
What you’ll leave with
Leave knowing which retirement decisions are time-sensitive, what should be coordinated before the paycheck stops, and where your current preparation may have gaps.
