Many retirees spend decades worrying about whether they’ll have enough money.
But what happens when you’ve already solved the income problem?
In this case study, we examine a 65-year-old retiree with a $1.9 million portfolio, an $85,000 pension, and Social Security benefits that cover nearly all of her retirement spending needs.
We discuss:
- Why retirement planning changes when income is already covered
- How pensions affect investment strategy
- Roth conversion opportunities before required minimum distributions begin
- Lifetime gifting strategies for adult children
- Charitable planning using Qualified Charitable Distributions (QCDs)
- Creating a tax-efficient legacy
If you’ve accumulated significant retirement assets and want to optimize retirement, this episode is for you.
The big question isn’t whether you can retire.
It’s what to do next after you’ve already won the retirement income game.
~Kevin
Are you interested in working with me 1 on 1?
You can start with our Retirement Readiness Questionnaire linked on our website so we can learn more about how we can help in your journey to and through retirement.
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This is for general education purposes only and should not be considered as tax, legal, or investment advice.
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