Summary:
The best time to retire is personal, but choosing your date with intention can have a major impact on your finances, healthcare, and emotional well-being. In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider unpack the often-overlooked ways that timing your retirement can help you make the most of your first year and beyond.
From maximizing tax strategies like Roth conversions, to bridging the Medicare gap, to setting yourself up for an emotionally smooth transition, this episode goes beyond the numbers to help you align your retirement date with both your resources and your life goals.
We share actionable ways to:
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Optimize your tax bracket with early-year retirement strategies and smart withdrawal planning
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Use healthcare timing to your advantage—bridging to Medicare, scheduling procedures, and evaluating COBRA
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Coordinate retirement dates with bonuses, pension payouts, and 401(k) contribution opportunities
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Avoid seasonal pitfalls by choosing a time of year that supports emotional readiness and well-being
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Create a “soft structure” for your new lifestyle so you retire to something, not just from work
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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.