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:
- Optimize your tax bracket with early-year retirement strategies and smart withdrawal planning
- Use healthcare timing to your advantage—bridging to Medicare, scheduling procedures, and evaluating COBRA
- Coordinate retirement dates with bonuses, pension payouts, and 401(k) contribution opportunities
- Avoid seasonal pitfalls by choosing a time of year that supports emotional readiness and well-being
- Create a “soft structure” for your new lifestyle so you retire to something, not just from work
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For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management for Houston, 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. Diversificati...
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