Retirement is a few years out. The decisions start now.
The five to ten years before you stop working are the widest planning window most people ever get. We help families typically bringing $2 million or more in investable assets use it well.
- Is what we have actually enough, or does it only feel like enough?
- Which accounts should we draw from first, and in what order?
- How do we cover health insurance between leaving work and Medicare?
- Should we convert to Roth now, while our income is lower?
Is the number enough?
An honest answer depends on spending, not on a round figure. We start with what the household actually spends, test it against the order in which returns might arrive, and show the range of outcomes rather than a single line.
What order should you draw from your accounts?
Taxable, pre-tax, and Roth accounts each carry a different tax bill when spent. The order matters as much over a retirement as the return does, and the best order changes from year to year.
How much Roth conversion fits this year?
The years between the last paycheck and the first required distribution are the quietest tax years many people ever have. Each year has room before the next bracket and before the Medicare surcharge tiers. We size the conversion to that room.
What does the pre-65 health insurance gap cost?
Leaving work before 65 means buying coverage on the marketplace, where the premium credit depends on reported income. That turns income planning into health insurance planning for a few years.
Start with a conversation.
Forty-five minutes, by video, phone, or in Northbrook. Nothing to prepare, and no charge.