Retirement Disclaimer
1. Life is not certain. How long you live, future tax law, inflation, interest rates, and market performance are all outside your control. Your plan is built around that reality.
2. Nothing in retirement happens in isolation. Spend more and your guardrails change. Claim Social Security early and your Retirement War Chest needs to adjust. Every decision touches the rest of the plan.
1
When can we comfortably retire?
2
When is working optional? (What is the earliest age you can retire without changing your lifestyle?)
Without a real spending number and guardrails, most couples default to underspending in the go-go years.
3
How much can we safely spend each month and stay on track?
4
What portfolio balance would trigger a spending decrease?
5
What portfolio balance gives us permission to increase spending?
6
Which accounts do we spend from first, 401(k), IRA, Roth, or brokerage, and in what order?
7
Which withdrawal strategy should we use in retirement? (4% rule, staged spending, retirement guardrails)
8
Should we claim Social Security early and enjoy it in the go-go years, or wait and collect more later?
The Rothification Method™ combines proactive Roth conversions and tax diversification to reduce your lifetime tax bill.
9
What does our lifetime tax bill look like with and without Roth conversions?
10
How much of our Social Security will be taxed, and what can we do before it starts?
11
When do we start converting, how much do we convert each year, and when does the window close?
12
Where do the taxes on Roth conversions come from, and how do we handle them?
13
What will our Required Minimum Distributions be at 75, 80, 85, and 90, and how much goes to the IRS?
14
What happens to our plan if tax rates go up, and how do we protect against that risk right now?
15
What return does our portfolio actually need to support our retirement plan?
16
How do we help protect the plan from a market downturn in the first few years of retirement?
17
How much should we hold in fixed income in our Retirement War Chest, and for how long?
18
Once the Retirement War Chest is funded, how should the rest of our portfolio be invested?
The Rothification Method™ combines with advanced IRMAA strategies to minimize surcharges, protecting your savings before 65, after 65, and every step in between.
19
How do we cover healthcare between retirement and age 65 if we retire early?
20
How does Medicare enrollment work for us?
21
Will Medicare IRMAA impact us?
22
What does long-term care look like for us, and how does it fit into the overall plan?
The Rothification Method™ helps maximize your legacy and protect your loved ones from higher taxes, keeping more in the family and less with the IRS.
23
What happens to our income, tax rate, and Medicare costs the day one of us passes away?
24
How do we pass on a legacy to our kids or family instead of a tax problem?
25
What is our legacy goal, and does the current plan actually support it?