FUTURE-RETIREE FINANCIAL PLANNING
The last 5–10 years before retirement are some of the most important for your financial future. Decisions made now can impact your income, taxes, and lifestyle for decades. We help future-retirees create a clear, confident plan to make the most of these years so retirement isn’t just possible, it’s everything you’ve envisioned.
THE CHALLENGES OF THE PRE-RETIREMENT PHASE
As you approach retirement, your financial landscape changes. We’re here to walk you through those changes so you can enjoy your days now and in retirement, worry-free:
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Determining your exact retirement date and income needs
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Deciding when and how to claim Social Security
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Managing investment risk while still aiming for growth
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Planning for healthcare and long-term care costs
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Addressing tax strategies for withdrawals and conversions
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Considering part-time work or consulting in retirement
HOW MTM PLANNING HELPS PRE-RETIREES PREPARE
At MTM Planning, you get more than one perspective. Our dual-advisor, evidence-based planning model means greater availability, deeper insights, and a plan that works in the real world (not just on paper), so you can enjoy the now and approach retirement without second-guessing:
RETIREMENT INCOME PLANNING
Balance investments, pensions, and Social Security to meet your needs
TAX-EFFICIENT WITHDRAWALS
Reduce taxes by strategically drawing from different account types
HEALTHCARE PLANNING
Prepare for Medicare, supplemental insurance, and out-of-pocket costs
LIFESTYLE ALIGNMENT
Ensure your spending plan supports your priorities and passions
ESTATE & LEGACY PLANNING
Protect and transfer your wealth in line with your wishes
WHY FUTURE-RETIREES CHOOSE MTM
We help you step into retirement with confidence and peace, making the most of your resources and opportunities. Our advice is always fee-only and conflict-free. We work for you, not commissions.
