5 Years or Less Until Retirement
Five years before retirement is when your financial plan should shift from primarily building wealth to preparing that wealth to support your lifestyle. Lake Norman professionals at this stage should begin coordinating retirement income, investment risk, Social Security, Medicare, taxes and major expenses. The decisions you make now can affect how much you can spend, how long your savings may last and how much tax you pay throughout retirement.
Your primary goals at this stage
01
Create a reliable retirement paycheck
02
Protect against market-timing (sequence-of-returns) risk
03
Minimize taxes in the first 10 years of retirement
04
Enter retirement with confidence — not crossed fingers
What we focus on
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Which accounts to tap first and why, tax-efficient sequencing across taxable, IRA, and Roth, and avoiding asset sales at the wrong time.
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Reduce volatility without parking everything in cash, build income and buffer strategies, and plan for bear markets before they happen.
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Claiming strategies beyond breakeven ages, spousal and survivor planning, and how benefits interact with your other income and taxes.
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Medicare timing and cost projections, IRMAA mitigation, and real long-term-care conversations.
The outcomeYou don't "retire and hope it works." You retire with a clear paycheck, a tax plan, and a playbook for whatever comes next.
Find a time that works best for you.
Don't hesitate to contact us and schedule a meeting at your convenience. Whether it's for a quick hello or to review your portfolio, we provide complimentary consultations on all financial services and strategies. If that’s too personal, feel free to email us below.