The decade before retirement is the most critical time for planning and is a large factor in establishing your retirement success.
This is when you will determine both how much you can spend in your retirement and the likelihood your funds will last your lifetime. Your comprehensive written plan should cover the decisions needed to guide the plan so that everything comes together for a smooth, tax-efficient retirement.
10 years before retirement
Develop a comprehensive plan to help ensure you will reach financial independence tax efficiently.
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2–9 years before retirement
Reach a solid financial position through a disciplined approach to managing changes in the years leading up to retirement.Learn about phase 2 →
1 year before and into retirement
Transition to financial independence and fine-tune your plan to prepare for post-retirement taxes and healthcare.Learn about phase 3 →
Stay focused on decisions related to taxes, Social Security, and investments to help ensure your savings last.Learn about phase 4 →
Take an active role in teaching the next generation how to handle wealth and the responsibility that comes with it.Learn about phase 5 →