Congratulations. If you’re reading this it’s likely that you’ve done the right things to put yourself in a good place to retire.  You may not feel that way now. That’s normal. Many of our clients don’t feel that way either at first.  But after working with us to envision and create a well-planned retirement, they feel confident and excited about their futures.  (Well-planned does not mean this is going to be hard. We don’t think it will be.)

In this example, clients get a sense that they are ahead of the pack in terms of their retirement savings.  They’ve both had financially rewarding careers and they been disciplined savers.  They’ve invested their money well and it’s grown substantially, aided by the recent bull market.  They aren’t gamblers, and they’d like to know if they should start thinking about protecting their wealth and the future they’ve envisioned for themselves.  

Background: 

Amar, age 60, is an executive at a tech company and has worked with his current employer for the last 25 years. His wife Connie, age 60, is a human resources manager.  

Between them, they have around $2,750,000 in retirement accounts, $350,000 in savings and they will both qualify for Social Security retirement benefits.  When they reflect on the amount they have saved, they are amazed at how quickly their retirement accounts have grown in the last decade.  They know they probably already have enough money to retire but they are concerned about making possible missteps that could erode all they have worked for. They saw their investments take a hit during the 2008 financial crisis and they are worried about the same thing happening again.

Amar wants to wait until at least age 65 (five more years)  to retire and Connie plans to retire at age 62 (two more years).  They want to explore the possibility of “changing gears” to protect their future.  

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