Who I serve
Pre-retirees: the runway matters more than you think.
The five years before you stop working are the highest-leverage years of your financial life.
Schedule a meetingWhat usually matters most
Stress-test your retirement plan against recession scenarios and longevity.
Build a tax-aware withdrawal sequence before you need it.
Evaluate Roth conversion windows in your remaining working years.
Decide when to claim Social Security based on your actual earnings record.
Get clear on Medicare, long-term care, and the years between retirement and 65.
How I help
The years right before retirement are unique: your income is probably peaking, your expenses may be dropping, and you still have tax levers to pull that disappear once you retire. I focus this window on decisions that compound for the next 25 years.
Common questions
- I’m 5 years from retiring. Is it too late to plan?
- It’s actually the best possible time. You have enough runway for Roth conversions, Social Security optimization, and withdrawal sequencing to make a real difference — but the window closes fast once you stop working.
- What does working with you actually look like?
- Most clients meet with me twice a year plus a quick check-in mid-year if something changes — a new job, a new baby, a windfall. Between meetings we’re reachable by email or phone.
- How are you compensated?
- I’ll walk through every fee and commission during our first meeting so you have a clear picture before you decide to engage.