Summary:
Retirement isn’t a date on a calendar; it’s a series of evolving stages.
In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider walk through the three phases of retirement (Freedom, Stability, and Legacy) and the financial strategies that keep you confident at every step. From early retirees at 59 ½ to those planning decades into the future, they discuss the tax, healthcare, and lifestyle choices that matter most.
They share ways to:
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Maximize your Freedom Years (late 50s to early 60s) with smart withdrawal strategies, Roth conversions, and healthcare planning before Medicare kicks in
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Navigate the Stability Stage (mid-60s to mid-70s) by optimizing Social Security timing, managing taxes, and keeping your portfolio balanced without becoming overly conservative
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Enter the Legacy Phase (mid-70s and beyond) with confidence by aligning estate planning, charitable giving strategies, and family communication
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Use tools like donor-advised funds, qualified charitable distributions, and dynamic asset allocation to create impact and security that lasts
Whether you dream of travel, purpose-driven projects, or leaving a meaningful legacy, this conversation helps you match your health span, wealth span, and life span for the most fulfilling retirement possible.
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The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management. Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC.- Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. – Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. – Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.