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You’ve worked hard your whole life and done everything right. You maxed out your 401(k), IRA and even have a Roth IRA. But, you are still nervous that it’s not enough. It’s alright to fear the unknown, but don’t let it cripple you or stop you from enjoying your life.


Running Out of Money The average life expectancy in the U.S. is 78.54 years. If you retire at 65, that’s 13.54 years of retirement. Will you have enough to live on now and beyond? Our financial planning tool X allows us to forecast your retirement income and check how your spending habits will affect your nest egg. From there, we help you construct a budget that aligns with your goals and expectations for your retirement.

Did you know that there are 2700 rules concerning Social Security benefits? It takes a strategy to claim Social Security, and it shouldn’t be done alone. Knowing the rules around survivor, spousal, and spousal divorce benefits are one way to claim Social Security thoughtfully.

Health Care Costs Health care costs are skyrocketing. We all know that. How do you plan for a diagnosis that can often knock you down? If you are prepared for the unknown, it can make medical costs seem less catastrophic to your savings. A health savings account (HSA) can help mitigate medical expenses not covered by Medicare. An HSA allows you to put aside tax-deferred funds to be used for medical costs. The funds in an HSA can grow tax-free and be used tax-free. For 2021, HSA contribution limits are $3,600 for individuals and $7,200 for families, with an extra catch-up contribution of $1,000 for those over 50.

Stock Market Volatility If a dip in the market makes you want to bury yourself in a pile of blankets and not come out until you hear the words market rally, then it’s time to reassess your risk tolerance and asset allocation. Your risk tolerance as a 45-year-old is not the same as a 60-year-old. As retirement approaches, your portfolio should reflect your need for a steady stream of income. Buying into the hottest, high flying stock is not a retirement investment strategy. Your asset allocation should be diversified with some portion in stocks to hedge for inflation but should not be the driving force of your portfolio.

Debt Debt can derail your retirement very quickly. Whether it’s credit cards, a mortgage, or even decades-old student loans, debt can be a real obstacle to retiring. Knowing how much you owe and having a repayment plan are the ways to help reduce your debt. Pay off high interest rates cards first and continue to chip away at your other debt one at a time, and don’t forget to include it as a line item in your budget to keep yourself accountable.


My goal is to get you to your retirement goals as efficiently as possible. I can help you claim social security, manage risk in your portfolio, and give you a structure for your finances you may not have now. You can overcome your financial fears in retirement by planning now.