Financial Fitness Consultation

Most people within a few years of retirement have never mapped out what their monthly income will actually look like once they stop working. In this 60-minute session we will build your retirement income picture together - Social Security, pension, rental or farmland income, and portfolio withdrawals - then help you identify your spending needs in retirement, including a realistic estimate of healthcare costs and how Medicare premiums can increase based on your income level. Here's what we'll cover: • Your income base vs. your actual expenses - and what the gap looks like • Whether your portfolio can sustain the withdrawals you'll need • How inflation affects your numbers over time • Timing of Social Security and Pensions • What happens to your income if one spouse passes away early • How to navigate a sharp market drop right at retirement to protect your income • Tax-efficient asset allocation and withdrawal sequencing - how to organize and draw down your savings to keep more of what you've built Following our session we will send you a personalized report with our notes, key observations, and the decisions worth your attention.