No matter when you begin thinking about retirement, the guidance you receive should come from someone with the right expertise to position your resources effectively and maximize the income potential of your nest egg. Just as important, your advisor should be prepared to walk with you through the non-financial aspects of the transition—because retirement is about more than money.

Early Planning Matters

Longevity makes planning all the more essential. According to the Society of Actuaries, a 65-year-old in average health has better than a one-in-three chance of living to 90. That could mean 20 to 25 years—or more—spent in retirement. The real question is: are you financially ready for that chapter?

Waiting until retirement is just around the corner can be risky. The decade or so beforehand—the pre-retirement stage—is a critical window. This is the time to reinforce your foundation and fine-tune your strategy: maximizing employer benefits, building savings in tax-advantaged accounts, weighing the benefits of a Roth conversion, and adjusting your portfolio for stability in the drawdown years.

At FAC, we help you evaluate where you stand and what steps may be needed to align your resources with the retirement you envision.

Beyond the Numbers

Retirement isn’t an endpoint—it’s a reinvention. Beyond the numbers, it’s about how you’ll spend your days, what will give you purpose once work no longer defines your routine, and how you’ll adapt to your changing needs over time.

Your vision for the life you want, paired with a clear understanding of your financial resources, is the best starting point—whether you’re exploring a new professional relationship or working with a financial planner for the first time.