Making the Turn

You're in your peak earning years. The kids are financially independent. Retirement is visible, but the path to get there isn't clear yet. This is where planning matters most.

Get Clarity Before You Retire

You've spent decades building your career and your savings. Now you're approaching the transition from working to retired life, and the uncertainty feels overwhelming. Can you actually retire? When? What decisions need to be made now, before the window closes?

The Questions You're Asking

Can We Actually Retire?

You've saved, but you're not sure if it's enough. The gap between "I think we're okay" and "I know we're ready" feels impossibly wide.

When Should We Stop Working?

Retire too early and risk running out. Work too long and miss the good years. The timing matters, and the stakes are high.

Too Many Moving Parts

Social Security timing. Pension options. 401(k) withdrawals. Tax implications. Healthcare until Medicare. Every decision affects the others, and you can't afford to get them wrong.

Fear of Irreversible Mistakes

Some decisions can't be undone, like when you claim Social Security or how you take your pension. You want to make sure you're choosing wisely, not guessing.

"In golf, the best players study the course before they play it. Same goes for retirement."

— Ross Welte

How We Help You Make the Turn

This stage isn't about maximizing returns. It's about removing uncertainty before decisions become permanent. We focus on process, not products. Clarity, not complexity.

Retirement Readiness Clarity Get a clear answer to the biggest question: Can you retire, and when? We build a realistic timeline based on what you actually need and what you've built.
Social Security Decision Framework When you claim Social Security affects your income for life. We help you understand the tradeoffs (risk vs. optimization) so you can make the decision with confidence.
Pension Elections & Coordination If you have a pension, the claiming options are permanent. We help you understand single life vs. joint survivor, lump sum vs. monthly payments, and how it all fits together.
Tax Planning Before Income Drops The years before retirement are some of the most important for tax strategy. We help you optimize deductions, Roth conversions, and positioning before your income changes.
Aligning Vision with Reality What do you actually want retirement to look like? We help you define that vision and build a plan that supports it so you're not just retiring from something, but retiring to something.

Build Your Retirement Transition Plan

The Back 9 Blueprint is our process for helping you navigate the turn from working to retired with clarity and confidence. Let's start with a conversation about where you are and where you want to go.

Explore the Back 9 Blueprint Schedule Your Call