More than a number, a plan for how you’ll live.

Planning for retirement means more than reaching a savings goal. It means thinking through how your life will actually look, where you’ll live, how you’ll get around, and how you’ll stay healthy, secure and cared for, over decades, not years. Our team helps you work through the financial and personal sides of that picture together, so the plan you build now can carry you through the retirement you’ve envisioned.

Considerations Worth Noting

Deciding where you'll spend your retirement years.

Housing is typically the largest expense in retirement. Staying in your home may be the goal, but mobility changes over time, and it's worth thinking through whether your home will still work for you, or whether modifications, downsizing or a move make more sense.

Let's Talk About:

  • Whether staying in your current home still makes sense.
  • What modifications might be needed as mobility changes.
  • The cost and trade-offs of downsizing or relocating.
  • Whether a more walkable, low-maintenance area fits your next chapter.

Planning for how you'll get around later in life.

Transportation is the second-largest expense for people over 65, accounting for roughly 15% of annual spending. Staying mobile means staying independent, so it's worth planning ahead for how you'll get where you need to go.

15% of annual spending
Transportation    All other spending

Source: U.S. Bureau of Labor Statistics, spending among adults 65+.

Planning for healthcare costs beyond Medicare.

Many people assume Medicare will cover most healthcare costs in retirement. In reality, it covers about 60%, leaving premiums, copays and deductibles to plan for, costs that tend to grow with age.

60% covered by Medicare
Covered by Medicare    Out-of-pocket costs

Source: Medicare pays roughly 60% of retiree healthcare costs on average.

Thinking ahead about the legacy you'll leave.

Securing a comfortable retirement is only part of the picture. It's worth thinking through what legacy you want to leave, who can access your important documents when the time comes, and how to help protect your family from financial fraud.

Let's Talk About:

  • What kind of legacy matters most to you.
  • Who should have access to your documents and accounts when the time comes.
  • How to help protect your assets, and your heirs, from financial fraud.

What happens if you need care, or someone needs yours.

As life expectancy increases, many people will either provide care for a loved one or need care themselves. Caregiving can carry real financial consequences, and long-term care isn't covered by Medicare.

Let's Talk About:

  • What being a caregiver could mean for your time, finances and plans.
  • How you'd want to be cared for if you needed help later on.
  • Whether long-term care insurance makes sense for your situation.

Making sure your savings can support a long retirement.

Making the most of a long retirement takes detailed planning across saving, investing and withdrawals, along with a Social Security claiming strategy that fits your broader plan.

Let's Talk About:

  • When you're realistically planning to retire.
  • Every income source you'll be able to draw on.
  • How much income you'll actually need to maintain your lifestyle.