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Pre-Retirement Phase

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Preparing for
Retirement with Confidence

You've worked hard. You've saved. You've invested. Now, as retirement approaches within the next decade, it's time to shift from pure accumulation to strategic preparation.

At Life Strategy Partners, we understand that the pre-retirement phase requires a strategic approach to wealth management and retirement preparation. Our mission is to help you transform decades of hard work into a fulfilling and financially secure retirement lifestyle.

The Pre-Retiree's Challenge:

As a professional within 10 years of retirement, you face unique challenges:

•    Shifting from an accumulation to a distribution mindset.
•    Determining if your savings are truly sufficient for your desired lifestyle.
•    Creating reliable income streams to replace your paycheck.
•    Navigating healthcare costs and coverage before Medicare eligibility.
•    Optimizing Social Security and pension decisions with long-term implications.

•    Managing market volatility risk as your time horizon shortens.

The Reality?

Most pre-retirees miss critical opportunities to optimize their retirement preparation, potentially costing them years of financial security.

Introducing the "Life Plan 360" for Pre-Retirees

Our comprehensive approach integrates every aspect of your financial life into one cohesive pre-retirement strategy:

  1. Strategic Retirement Income Planning

    • Tax-efficient withdrawal preparation

    • Developing your personalized Retirement Income Blueprint

    • Gap analysis and corrective strategies if needed

    • "Retirement stress testing" for various market scenarios

  2. Portfolio Transition Management

    • Gradual risk recalibration of your allocation to match your retirement time horizon

    • Strategies to manage sequence of return risk

    • Strategic Roth conversion analysis

  3. Lifestyle Optimization

    • Medicare planning and supplemental insurance analysis

    • Healthcare cost projections and funding

    • Wellness strategies for an active and fulfilled retirement

  4. Life Integration

    • Review Estate Plan design and implementation

    • Family wealth communication strategies

    • Charitable giving and legacy planning

    • Life purpose and meaning exploration

The Fee-Only Difference

As a fiduciary, fee-only firm, we're aligned with one interest only: yours. No commissions.

No hidden fees. No product sales. Just transparent advice focused on maximizing your wealth.

What Sets Our Approach Apart:

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Our comprehensive approach integrates every aspect of your financial life into one cohesive strategy:

  • Transition Expertise: Specialized knowledge in the critical pre-retirement phase.

  • Integrated Planning: Coordinating all aspects of retirement preparation.

  • Behavioral Coaching: Supporting the emotional aspects of retirement transition.

  • Technology-Enhanced: 24/7 access to your complete financial picture.

  • Relationship-Focused: We limit our client roster to ensure white-glove service.

Your Custom Roadmap to Retirement Readiness

Your "Life Plan 360" for Pre-Retirees begins with our proven process:

  1. Retirement Vison Session: We explore your ideal retirement lifestyle, concerns, and timeframe.

  2. Opportunity Analysis: We identify the distance between your current position and your retirement needs.

  3. Strategy Development: We collaborate to design your customized "Life Plan 360" for Pre-Retirees.

  4. Implementation: We handle the tactical execution of your transition plan into retirement.

  5. Ongoing Management: Regular progress reviews and adjustments as retirement approaches.

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