Help to clearly define your desired retirement lifestyle (travel, hobbies, etc.) and translate those dreams into concrete financial goals.

Work with you to prioritize these goals, considering factors like desired retirement age and projected expenses.

Analyze your current retirement savings (401(k), IRAs)

Explore options for maximizing contributions to retirement accounts, taking advantage of catch-up provisions if eligible.

Advise on Social Security claiming strategies to optimize your benefits.

Evaluate your current investment portfolio and risk tolerance.

Recommend adjustments to your asset allocation, potentially shifting towards a more conservative mix as you near retirement.

Develop strategies to help manage investment risk and potential market fluctuations.

Explore tax-efficient strategies in retirement. This could involve Roth conversions or better positioning tax-advantaged accounts.

Help you anticipate tax implications of different retirement income sources.

Develop a plan to pay off high-interest debt (credit card debt) prior to retirement, creating a more secure financial foundation.

Advise on managing any remaining debt (mortgages) in a way that is comfortable within your retirement budget.

Discuss potential healthcare costs in retirement and strategies for managing them (Medicare, supplemental insurance).

Help you factor these costs into your overall retirement planning.

Review to see if you have a will and power of attorney in place.

Discuss options for minimizing estate taxes and efficiently passing on wealth to beneficiaries.

Offer emotional support and guidance as you navigate the psychological transition towards retirement.

Help you address any anxieties or uncertainties related to your financial future.

Regularly review and adjust your plan as your circumstances and market conditions evolve.

Provide ongoing guidance and answer questions that may arise throughout your pre-retirement and retirement journey.