The 4 Levels of Retirement (How to Level Up)

Retirement is a series of stages. In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider cover what separates each of the 4 levels, and what you can do to level up no matter where you're starting from.

From the survival stage of living Social Security check to Social Security check, to the abundance stage where your portfolio grows while funding your dreams, this episode walks through the four “levels” of retirement, and how to move from one to the next. Let's blend practical financial strategies with behavioral insights to help you assess where you are now and create a clear plan for leveling up.

We share actionable ways to:

• Identify which stage of retirement readiness you’re in, and the key pitfalls at each
• Boost your income security through smart debt reduction, savings habits, and Social Security timing
• Build a resilient income plan in the stability stage to avoid slipping backward
• Use advanced planning tools like donor-advised funds, Roth conversions, and legacy strategies to maximize impact in abundance
• Replace uncertainty with confidence by stress-testing your retirement plan and making stage-specific tweaks

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The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversificati...