EARLY RETIREMENT
Retiring early gives you freedom. It also creates a different kind of puzzle.
We help early retirees build a clear plan for income, taxes, health care, and long-term portfolio sustainability — so you're not guessing what comes next.
How We Can Help
✓ Build a retirement income plan that supports a longer retirement and reflects your spending needs.
✓ Plan for health care coverage before Medicare eligibility.
✓ Stress-test your portfolio for inflation, market volatility, and the risk of withdrawing too much too soon.
✓ Map out withdrawal strategies from taxable, pre-tax, and Roth accounts to help manage taxes and timing.
✓ Evaluate Roth conversion opportunities and other tax-smart moves each year.
✓ Create a flexible plan for the years between leaving work and full traditional retirement age.
This is a hypothetical, composite scenario based on situations we commonly see across clients. It does not represent actual, identifiable clients, and past results — hypothetical or actual — do not guarantee future outcomes.
AGES
43 & 58
LOCATION
California
NAMES
Nina & Tom
The Situation
Nina and Tom are both burnt out from stressful careers. Tom wants to retire next year; Nina wants to shift into a role with more work-life balance rather than stop working entirely. Their goals aren't identical, which made the planning more complex, not less.
01 Figuring out retirement timing for Tom, and how much income Nina actually needs to earn in her next role.
02 Early retirement usually means living off savings for decades, not just a few years — the plan had to be built for durability, not just comfort.
03 Making room for the unexpected — higher health care costs, lifestyle changes, or a shift in income needs down the road.
What We Did
● Cash Flow & Retirement Projections
We evaluated their combined cash flow needs and ran retirement projections that accounted for Tom retiring on one timeline and Nina transitioning to a different role on another.
● Sustainable Withdrawal Sequencing
We designed a withdrawal order across their taxable, pre-tax, and Roth accounts — built to hold up over a multi-decade retirement, not just the first few years.
● Roth Conversion Opportunities
We identified windows during their lower-income years where converting to Roth could meaningfully improve their long-term tax efficiency.
Nina and Tom now have a clear roadmap heading into this next chapter — not a guess.
Confidence
Greater clarity around the transition, replacing guesswork with a plan
Built to Adapt
A strategy designed to flex over time, not a static plan set once and forgotten
Clear Roadmap
Annual income, taxes, and portfolio withdrawals mapped out heading into retirement