There is a lot of focus in the financial advice industry related to the “Accumulation Phase.” 

In the beginning, you’re trying to save as much as possible as you start your careers.  Then you gain some traction and start building up a nice nest egg. As your income increases, maybe you start to think about the tax impact of your savings.  

And finally, you really start to focus in on how much you “need” or “want” before you stop the accumulation phase. The problem is that it continues to be a moving target based on your lifestyle changes, inflation, the markets, or ultimately, the unknown about how long you might live!

But when is enough “enough?”   It’s easy to have the blinders on and just focus on building up as large of a nest egg as possible. As a result, many pre-retirees and retirees fail to think through the distribution phase…or in other words, the decumulation phase.

And many of the folks we serve are surprised to find out they have a SURPLUS in retirement. Meaning, it’s going to be hard for them to spend all their nest egg during their lifetime (not a bad problem to have).

In today’s Whiteboard Retirement Plan breakdown, we’ll look at Bruce and Jennifer Lee, who are 62/61 and looking to retire in January of 2026…

We’ll show you WHY they have a surplus and ultimately discuss some strategies to help them optimize for today, as well as maximize their legacy to their 2 adult children.

I hope you enjoy it.

-Kevin 

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This is for general education purposes only and should not be considered as tax, legal or investment advice.