Watch on YouTube – https://youtu.be/dA83AgI2Cd4
Summary: 
Deciding what age to retire is about weighing the hidden costs of working longer against the freedom that comes with retiring on your own terms.
In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider unpack the tax, health, and lifestyle tradeoffs of working past age 60, and how to build a balanced plan that supports both your wallet and your well-being. 

They share ways to: 

  • Understand the after-tax impact of working longer, including how raises, Social Security, and Medicare premiums really affect your bottom line 
  • Take advantage of the Roth conversion “window” before RMDs kick in at 73 or 75 
  • Protect yourself from sequence-of-returns risk with smart income bucket strategies 
  • Avoid common mindset traps like the “one-more-year loop,” paycheck safety trap, and post-career identity crisis 

Whether you’re eyeing early retirement, planning to work into your late 60s, or simply weighing your options, this episode helps you replace uncertainty with clarity to create a retirement that balances health, wealth, and purpose. 

Download the free guide that we’ve paired with this episode! 

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For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management in Houston, Energy Corridor, Sugar Land, Katy, & Spring, TX. Our team of professionals can provide advice and help you navigate how to invest your wealth and plan for your retirement. We’d love to help you live out your legacy! To explore our 3-step process and services we offer click here. 

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. 

 

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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. Material provided by Concenture Wealth Management.