- Active Season: The early years of retirement, marked by higher spending on travel, hobbies, and home projects. This phase requires a "Freedom Fund" to prevent overspending.
- Settled Season: Beginning in the mid-70s, spending naturally declines as priorities shift to local activities and family. This period allows portfolios to rebuild and is defined by "intentional moderation."
- Care Season: The final phase of retirement, characterized by a sharp rise in non-optional healthcare and long-term care expenses, making a comprehensive plan and tools like long-term care insurance essential.
For over 30 years, The Holland Group Retirement Wealth Advisors have been dedicated to helping you build inflation-adjusted, tax-advantaged, customized plans for a secure retirement
Contact The Holland Group Retirement Wealth Advisors for a complimentary, no-obligation review by calling (727) 295-3451, or visit AskTheHollands.com to schedule a discovery call at your convenience.
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