For Empty Nesters

​Turning off a paycheck and turning on retirement income is one of the most important financial transitions of your life—and the decisions you make now can bless that transition when the time comes tremendously.

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If you’re 50 or older, this is the time to get clarity. A good retirement planner can help you see your options, run scenarios, and understand how today’s choices shape the next season of life—financially, emotionally, and spiritually.

 

Because retirement isn’t just a number. It’s a vision.  It’s timing. It’s Social Security decisions, pensions, 401(k)s, Roths, HSAs, taxes, healthcare, and the dreams you’ve held for decades, finally coming into view!

 

Many people don’t realize how sharply taxes can hit in retirement—especially once Required Minimum Distributions begin. Those large IRA and 401(k) balances can become a ticking tax bomb.

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When we work together in this stage (ages 50–65), we focus on what truly matters:

• Saving in the right places, with the right deferred tax balance.

• Smart Social Security timing.

• Exploring retirement dates and part-time options.

• Planning for travel, generosity, major purchases, and family goals.

• Preparing for healthcare before and after 65.

• Investing wisely for both growth and income.

• Roth conversions and RMD planning to reduce future tax surprises.

 

This is the season to start imagining life after work with hope—not fear—and to build a plan that supports the life you feel called to live.

 

If you’re ready to explore what your next chapter could look like, I’d love to walk that road with you.

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Want to discuss further?  Email me at Doug@RichRoadFinancial.com