Pre-Retirement Strategically Planned

As retirement approaches, the questions shift. When can you afford to stop working? How should you time withdrawals, pensions, or Social Security? What’s the smartest way to reduce taxes?

We work with clients navigating complex transitions — real estate, equity comp, business sales, multi-state living — who want to avoid costly mistakes.

It’s not just about hitting a number. It’s about structuring what you’ve built to support how you want to live next.

We help make that strategy clear.

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We can help you plan ahead of your retirement and consider what the next phase looks like.

Determine revenue and distribution strategies alongside Social Security
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Preserve your standard of living smartly for decades to come
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Comprehensive wealth transfer strategies that honor your intentions
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Minimize your tax burden through smart tax optimization strategies
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Thoughtful planning for future healthcare and long-term care needs
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Prepare for scenarios when life’s most unexpected events hit
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Leave uncertainty behind

As you approach the end of your career, you may have questions about preparing financially and emotionally for what comes next. With us by your side, you can feel confident you’re making the right decisions – big and small – as you enter this new chapter of life.

See the retirement readiness checklist

How hard is your money working for you?

We can offer insights into managing and preserving wealth efficiently and effectively, personalized to your time horizon and financial situation. Retiring on your terms doesn’t have to be complicated.

Milestones

5 years from retirement

This period is about knowing your numbers. We can help you:

  • Determine what your expenses and income will be
  • Forecast your healthcare costs and plan for them
  • Explore when to claim Social Security to time it right for you and your family

10 years from retirement

You can accelerate savings once eligible for catchup contributions at age 50. We can help you:

  • Take things like inflation into account in your financial plan
  • Revisit your retirement goals and asset allocation
  • Prepare for scenarios where circumstances cause you to retire early

Asset allocation does not guarantee a profit nor protect against loss.

20 years from retirement

These may be your peak earning years, so make the most of them. We can help you:

  • Identify savings strategies to pursue your goals
  • Balance saving for a child’s education with saving for retirement
  • Review insurance policies to ensure they meet your needs

The cusp of retirement

You’ve come a long way, but there are crucial tasks still to tackle. We can help you:

  • Restructure your portfolio for retirement
  • Take a tax-efficient approach to retirement income
  • Think through your vision of living in retirement

Related Resources

Practice makes perfect when it comes to retirement.
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Many couples don’t agree on when, where or how they’re going to spend their golden years.
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Retirement & Longevity
Do you know what it takes to work toward a secure retirement? Use this calculator to help you create your retirement plan. View your retirement savings balance and your withdrawals for each year until the end of your retirement. Social Security is calculated on a sliding scale based on your income. Including a non-working spouse in your plan increases your Social Security benefits up to, but not o...
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Retirement

Wherever you are in your journey to retirement, we can be your guide.

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Investing involves risk and you may incur a profit or loss regardless of strategy selected.

So, if you’re wondering ‘Am I there yet?’ We can help you figure out what your Work Optional / Financially Independent point is and how we can help you remain in that zone. Contact us for a complimentary consultation.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

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Investment advisory services offered through Raymond James Financial Services Advisors, Inc.. Vivian Investment Partners is not a registered broker/dealer and is independent of Raymond James Financial Services.

While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.

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