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Financial planner Danny Gudorf discusses the complexities of retirement planning, focusing on the challenges faced by individuals with $1.5 million in savings who wish to withdraw $10,000 monthly. He emphasizes the importance of understanding withdrawal rates, Social Security timing, and tax implications, as well as the need for a comprehensive approach that includes long-term care and estate planning.
Why Your First Few Years of Retirement May Matter More Than the Size of Your Portfolio
You’ve saved $1.5 million. You’re approaching retirement. And after decades of working, saving, and investing, you want to enjoy the money you’ve accumulated.
So, can you retire and spend $10,000 a month?
At first glance, the math might seem uncomfortable. Spending $120,000 per year from a $1.5 million portfolio sounds like an 8% withdrawal rate—and that’s before accounting for taxes, healthcare, or unexpected expenses.
But that simple calculation misses much of what actually determines whether a retirement plan works.
Social Security may eventually reduce the amount you need from your portfolio. Healthcare expenses can change significantly once Medicare begins. Taxes can rise or fall depending on where your assets are held and how you withdraw them.
And perhaps most importantly, the market’s performance during your first several years of retirement can have an outsized impact on the rest of your plan.
That means the real question isn’t simply:
“Is $1.5 million enough?”
It’s:
“How do all the pieces of your retirement plan work together over the next 30 years?”
A hypothetical couple can help illustrate why that distinction matters.
Meet Tom and Karen
Tom and Karen are both approaching age 60 and plan to retire at the end of the year.
Their net worth is just under $2 million. Their financial picture includes:
- A home worth approximately $500,000 with about $85,000 remaining on the mortgage
- Roughly $50,000 in cash
- Approximately $1.5 million in investment accounts
- A small pension for Tom
- Future Social Security benefits for both spouses
The location of their retirement savings is especially important.
Most of the $1.5 million sits in tax-deferred retirement accounts. Tom has approximately $1.35 million in his 401(k), while Karen has a smaller rollover IRA. Only a relatively small portion is held in a joint brokerage account.
That creates a challenge that a simple net-worth calculation won’t reveal.
Most withdrawals from their tax-deferred accounts will generally be taxable as ordinary income. Their $1.5 million portfolio therefore isn’t the same as having $1.5 million available to spend after taxes.
Their goal is to spend approximately $10,000 per month in retirement.
And because they plan to retire before becoming eligible for Medicare, their early retirement years may also include significant health insurance expenses.
That combination creates the first major challenge.
Insight #1: The Most Dangerous Years May Be the First Five
Tom and Karen expect Social Security to eventually provide meaningful income.
At full retirement age, Tom’s projected benefit is approximately $3,200 per month, while Karen’s is around $2,700. Tom also expects a pension of roughly $1,000 per month.
Once those income sources begin, the amount they need to withdraw from investments could fall substantially.
But those benefits aren’t available immediately.
During their first year of retirement, the analysis estimates that they could need roughly $150,000 from their investment accounts to support spending and other expenses.
That’s where the retirement plan becomes vulnerable.
Their portfolio may need to support unusually large withdrawals during the same period when they have the least information about what markets will do next.
This is known as sequence-of-returns risk.
Imagine two retirees who earn the same average investment return over 20 years.
One experiences strong markets immediately after retiring.
The other experiences a major downturn during the first few years.
Their average long-term returns could ultimately be similar, yet their retirement outcomes could look very different because the second retiree may have to sell investments after those investments have declined.
Large withdrawals combined with falling markets can permanently reduce the capital available to participate in a later recovery.
That’s why the first several years deserve particular attention.
In Tom and Karen’s hypothetical analysis, their withdrawal rate eventually falls into a much more manageable range as Social Security begins and some early expenses disappear.
The challenge is getting there.
Your Spending Number Doesn’t Tell the Whole Story
There’s another important question hiding inside that $10,000 monthly goal:
How much of it is actually required?
There is a significant difference between someone who needs $10,000 every month for housing, food, insurance, utilities, and other essential expenses and someone whose essential spending is closer to $6,000, with another $4,000 allocated to travel, gifts, entertainment, or charitable giving.
Both households may say they “spend $10,000 a month.”
But they have very different levels of flexibility during a difficult market.
That flexibility can become a valuable retirement-planning tool.
One approach discussed in the case study uses retirement income guardrails. Rather than assuming spending must increase every year regardless of market conditions, guardrails establish predetermined points where spending may need to be adjusted.
For example, under the framework discussed in the transcript, if the portfolio remained below a lower guardrail for more than 90 days, spending could be reduced by 10% the following year.
That doesn’t mean retirees should automatically cut spending every time markets decline.
It means the decision has been considered before emotions take over.
Insight #2: Delaying Social Security Isn’t Automatically the Safest Choice
You’ve probably heard the argument for delaying Social Security:
Wait longer, and your monthly benefit may be higher.
That can be valuable.
But retirement decisions rarely happen in isolation.
If Tom and Karen delay Social Security until age 67, their investment portfolio must fund more of their lifestyle during the intervening years.
The transcript’s analysis found that delaying benefits extended the period of relatively high portfolio withdrawals.
So while waiting could produce a larger future Social Security benefit, it could simultaneously expose more of their portfolio to sequence-of-returns risk during their early retirement years.
This creates an interesting tradeoff.
You can optimize Social Security in isolation—or you can evaluate Social Security as one component of your complete retirement income plan.
Those aren’t always the same thing.
One strategy discussed in the case study is a hybrid approach.
If markets are relatively stable or positive, retirees may continue delaying Social Security to pursue a larger benefit.
But if markets experience a substantial decline, claiming one or both benefits earlier could potentially reduce the amount that needs to be withdrawn from investments at depressed prices.
The appropriate claiming strategy depends on individual circumstances, including health, longevity assumptions, tax considerations, portfolio composition, spending needs, and other income sources.
The important takeaway is simpler:
Your Social Security decision can change the risk profile of your investment portfolio.
That’s why it shouldn’t necessarily be made independently.
Building a Buffer Between Your Lifestyle and the Market
If you need significant portfolio withdrawals during your first several years of retirement, you probably don’t want every dollar required for near-term expenses exposed to stock-market volatility.
The case study addresses this through what Gudorf Financial Group calls a retirement “war chest.”
The concept separates near-term spending needs from longer-term growth investments.
In the framework discussed in the transcript, approximately 12 months of spending needs could be held in cash, with another four years of anticipated withdrawals held in bonds or similar investments.
For Tom and Karen, the hypothetical analysis estimates that approximately $730,000 in cash and bonds could be needed if they claim Social Security at 62 and want roughly five years of withdrawals buffered from equity-market volatility.
Why potentially hold that much in more conservative assets?
Because the objective isn’t necessarily maximizing returns.
It’s reducing the chance that you become a forced seller of stocks during a major downturn.
Later, once Social Security begins and portfolio withdrawals decline, the amount needed in the conservative portion of the portfolio could also fall. In the example, it declines to approximately $468,000.
That illustrates another principle that often gets overlooked:
Your investment allocation doesn’t necessarily have to remain static throughout retirement.
Your portfolio can potentially evolve as your income needs change.
Insight #3: A $1.5 Million Portfolio Can Create a Million-Dollar Tax Problem
The investment question is only one side of Tom and Karen’s retirement.
Taxes may be just as important.
Because most of their money is held in traditional retirement accounts, future withdrawals generally create taxable income.
Later, required minimum distributions could force additional money out of those accounts whether they need all of it for spending or not.
According to the hypothetical analysis presented in the transcript, doing no proactive tax planning resulted in approximately $1.8 million in projected federal income taxes over the course of retirement.
That figure is based on assumptions and projections and should not be interpreted as what every household with similar assets will pay.
But it demonstrates why retirement tax planning deserves a long-term view.
A household can spend decades focusing on accumulating retirement assets without giving equal attention to how those assets will eventually be taxed.
Then retirement arrives, and taxes begin influencing decisions about:
- Which account to withdraw from
- When to claim Social Security
- How much income to recognize in a particular year
- Whether Roth conversions make sense
- How future required distributions could affect taxable income
This is where Roth conversions enter the conversation.
More Roth Conversion Isn’t Necessarily Better
A Roth conversion moves money from a traditional tax-deferred retirement account into a Roth account.
You generally recognize taxable income when the conversion occurs in exchange for the potential benefits of tax-free qualified Roth distributions later.
That can make conversions valuable in the right circumstances.
But the transcript illustrates something important: there can also be too much of a good thing.
In Tom and Karen’s hypothetical analysis, conversions targeting the 12% federal income tax bracket produced a projected improvement of approximately $590,000 in lifetime taxes paid and approximately $768,000 in tax-adjusted ending portfolio value, based on the assumptions used.
But when the analysis increased conversions into the 22% bracket, the projected outcome became less favorable.
That’s the point many retirement tax discussions miss.
The objective isn’t simply to convert as much as possible.
It’s to evaluate whether paying a particular tax rate today may reasonably improve your expected after-tax position later.
And that calculation can become more complicated when you consider Medicare income-related surcharges, Social Security taxation, required minimum distributions, charitable strategies, and the possibility of one spouse eventually filing as a single taxpayer.
Tax laws can also change, making ongoing evaluation important.
The Widow’s Tax Trap Can Change the Equation
Married couples frequently build retirement projections assuming both spouses remain alive throughout the entire plan.
Reality may be different.
If one spouse dies years before the other, the surviving spouse may eventually file taxes as a single taxpayer while still receiving substantial retirement income.
That can potentially expose income to higher marginal tax rates sooner.
The transcript refers to this as the widow’s tax trap.
It’s one reason retirement tax planning shouldn’t stop at this year’s tax return.
A decision that looks inefficient today could potentially produce benefits many years later—or the opposite.
You need to evaluate the entire timeline.
So, Can You Retire at 60 With $1.5 Million and Spend $10,000 a Month?
For Tom and Karen’s hypothetical situation, the analysis gives their retirement plan a green light, subject to several important assumptions and ongoing monitoring.
But that doesn’t mean everyone with $1.5 million can safely spend $10,000 per month.
And it certainly doesn’t mean $1.5 million is a universal retirement target.
The outcome depends on factors including:
- How much of your spending is essential versus discretionary
- When Social Security and pensions begin
- Your healthcare costs before and after Medicare eligibility
- Where your retirement assets are held
- Your investment allocation
- Market performance early in retirement
- Your tax strategy
- Your willingness to adjust spending when circumstances change
- Your long-term care and estate-planning needs
Two households can retire on the same day with identical $1.5 million portfolios and experience very different outcomes.
The difference is often found in the strategy surrounding the money.
Your Retirement Number Is Only the Beginning
Accumulating $1.5 million is a significant milestone.
But retirement introduces a different challenge.
During your working years, the primary question is often how much you can accumulate.
During retirement, the questions multiply:
How much can you withdraw?
From which accounts?
When should Social Security begin?
What happens if markets decline immediately?
How much should remain in cash and bonds?
Could strategic tax planning reduce future taxes?
And what happens to the plan when life doesn’t follow the assumptions in your spreadsheet?
Those questions are why retirement planning is about more than reaching a particular portfolio balance.
It’s about coordinating your income, investments, taxes, healthcare, and estate plan so each piece supports the others.
See What the Numbers Look Like for Your Retirement
If you’re approaching retirement and want to understand whether your portfolio can support the lifestyle you’re planning, schedule a free retirement assessment with Gudorf Financial Group.
The assessment is designed to evaluate your specific retirement cash flows, withdrawal needs, Social Security considerations, tax-planning opportunities, and investment strategy so you can better understand the tradeoffs involved before making major retirement decisions.
Conclusion
So, is $1.5 million enough to retire at 60 and spend $10,000 per month?
Potentially—but the portfolio balance alone can’t answer the question.
For the hypothetical couple in this case study, the greatest pressure occurs during the first several years, when withdrawals are high, healthcare costs are elevated, and Social Security hasn’t fully entered the picture.
Later, a different challenge emerges: taxes.
The retirement plan therefore has to solve two problems at once—creating enough reliable income today without unnecessarily compromising tomorrow.
That’s why the strongest retirement plans aren’t built around one magic number.
They’re built around a coordinated strategy that can adapt as markets, taxes, spending, and life change.
Transcript: Prefer to Read — Click to Open
Danny (00:00.066)
Most people with $1.5 million saved think the hard part is over. They saved the money, so now they can just spend it. But if you want to spend $10,000 a month, the easy part is not the balance. What decides whether this plan survives 30 years is taxes, Social Security timing, and one thing most people never see coming. What is the market gonna do in those first few years of retirement?
Hey everyone, I’m Danny Gudorf, owner and financial planner at Gudorf Financial Group. And I’ve run the numbers on hundreds of plans exactly in this stage. By the end of this video, you’ll know whether $1.5 million really supports $10,000 a month and the one factor that decides it. We’re gonna look at three things today. First, whether a $1.5 million portfolio can actually support $10,000 a month and withdraw
What you want and take a look at what that withdrawal rate looks like year by year. Second, we’re gonna do some Social Security timing and test when you need a claim and how it changes the entire shape of the retirement plan. And third, whether Roth conversions help or hurt over a 30-year retirement. Okay, let’s meet with Tom and Karen. Tom is 59 and turns 60 later this month.
Karen is the exact same age. And they want to retire at the end of this year. So they’ll both be 60 by the time they’re walking out the door. Their net worth is just under $2 million. They have a house that’s worth $500,000 and they have about $85,000 left on the mortgage. Roughly $50,000 in cash in the bank and $1.5 million in
in their investment accounts in total. The important detail is where that 1.5 million lives. Almost all of it is in tax-deferred accounts. Tom’s 401k makes up the bulk of that money, about 1.35 million. And then Karen has a small rollover IRA from a previous job. And then they also have a small amount and a joint brokerage account as well. But that’s not that much. That split
Danny (02:19.148)
Matters enormously from a tax standpoint and we’ll kind of get into that later on what there looks like. Now, some of their goals in retirement, they would like to spend ten thousand a month. That includes all of their spending. Okay? So they have monthly kind of base and leisure expending at 9,000. Then we have their health care costs on Medicare. But since they’re gonna be retiring prior till 65, we have to factor in
What their health insurance is gonna cost prior to Medicare on the ACA or Affordable Care Act. So we factored in roughly $2,000 a month for each of them to be able to use that money to pay for the health insurance they need on the ACA. Now, on the income side of things, they will be eligible for Social Security. So Tom’s Social Security benefit at full retirement age is $3,200, and Karen gets.
around $2,700 at her full retirement age benefit on that amount. They’re currently waiting to plan when to claim Social Security until they’re 67 to claim. But in the analysis, we will factor it in first at 62 and then take a look at what happens if they claim at their age 67 that they’re really looking to do. Tom also has a small pension that pays about a thousand dollars a month, so there’s a little bit more fixed income.
In just not for the next seven years, and that’s the setup. Now, here’s where the plan gets complicated: they’re spending an income. Picture they want ten thousand dollars a month. Alright, let’s look at Tom and Karen’s retirement plan and see what that looks like. So when we go into their plan, you can see here that they do have a 94% probability of success. Okay.
Now we don’t typically use that, but it does help us test certain scenarios and certain things. But the biggest risk factor in this plan is those first gap years. And the spending is heavily loaded in those first five to seven years, depending upon when they take Social Security and when they need to get on their health insurance. Because remember, we have that extra $24,000 a year in those first five years to help support them.
Danny (04:44.91)
For retirement. Okay. So when we look at their cash flows, we can see here that you know there is some heavy spending here in those first five years of retirement. Then it eventually drops back down into a more normal range, and then eventually, when they have to get on RMDs, their RMDs will be more than what they need to spend. Okay. So what we need to do is first we need to take a look at
what is their gap? Okay, so their first year retirement, they don’t have social security yet, so they need to take out roughly $150,000 out of their investment accounts to support their spending in retirement. Okay, so the first thing that we want to look at is the withdrawal rate and kind of see where those withdrawal rates are coming in at. Okay. So if we look at this plan, you can see there is some really high withdrawal rates early in this plan.
before Social Security kicks in and while they’re paying that health insurance cost. But then over time the withdrawal rate starts to drop into a more manageable range. Okay, so that first five years is the real risk factor. We call that sequence of returns risk, and we don’t know what the impact of that is gonna be until you actually retire. Okay. So the way that we go about thinking about this is: okay, what is your withdrawal rate? What is your portfolio?
when you’re when you’re retiring. And then what we do is we have something called our retirement income guardrails, which tell us based upon your portfolio value, how much can your portfolio support in monthly or annual income? Okay, so in this example we have a hundred and one point five million dollar portfolio. We have a 5.4% starting distribution rate so that gives us about eighty one thousand dollars annually
And what this does is it puts an upper guardrail around your portfolio and it puts a lower guardrail around your portfolio. So depending upon what’s happening in the market, you know when you need to make adjustments and and what you need to do to help support your spending to make sure you don’t run out of money. Okay. But as you can see early in retirement here, this cash flow is much larger. This $150,000 is much larger than what the portfolio can support.
Danny (07:10.478)
Okay, so you really have to be watching at those first views in retirement. Now, it’s okay to go above that initial 5.4% distribution rate for two or three or four years, but we don’t want your whole retirement plan to be able to be above that. Okay. So another thing that you have to think about is within your $10,000 a monthly spending, how much of that is fixed and guaranteed where you can’t move your spending down at all?
Or is your base spending only five or six thousand? But when you add in gifts and traveling and giving to charity, that’s when your spending ratchets up to ten thousand. Okay. Because when we’re using this guardrails method, there’s a few rules that we have to follow. One, if we break below this lower guardrail for more than ninety days, then the following year we would need to reduce our spending by ten percent. Okay.
So there’s certain things that we need to follow and be looking at. Because we just really have to get through those first five years of those really high withdrawal rates. Now, if this is something that you would like us to run for your specific situation, you’d like to see what your cash flows are, what your guardrails look like, click the link below and you can schedule your free retirement assessment. And during your free retirement assessment, we walk you through all these different scenarios and situations that are unique.
To your specific retirement. Alright, so based upon this client’s situation, we would give them the green light as far as the portfolio withdrawals and what they would need to look at. We would just want to confirm: you know, are they okay with these high withdrawal rates? How much of their spending is fixed versus discretionary? And how do we go about surviving through these first five years before this withdrawal rate drops back down into a more manageable situation? Okay, so some of the things that
We’re gonna test now. we’re gonna look at okay, what if they had to wait till full retirement age to take their social security and how does that affect their overall financial plan? Each client, you know, have a varying degree of what that would look like and and how they would think about that. As you can see here, the probability of success didn’t really change much, but their ending terminal value went down some. Okay. So when we look at the cash flows now.
Danny (09:29.934)
we have farther runway that we have to be able to support our spending. Okay, so in a lot of ways, yes, we’re getting a higher social security benefit, but there’s more risk here in these first seven years. and this happens a lot with clients, is we we’re thinking about okay, what do we want to do in retirement, all the fun stuff, and then we have all the math and optimization stuff. And a lot of times clients get too pigeonholed into some of the math and optimization stuff.
And they forget that this money is really there for their retirement to enjoy it. And when can you enjoy it the most? Well, those first five or seven years of retirement. Those are gonna be the years that you want to spend the most and do the most. So a lot of times clients come in and they say, Hey, I want to wait till 67 or 70, but now this portfolio has to support this extreme amount of spending before Social Security kicked in. Okay. And when we look back at our withdrawal rates, you can see now we have really high withdrawal rates.
And for even a more extended period of time. So there is a little bit more a risk here. So we’re saying eights, sevens, eights, eights before it drops back down to two. Okay. So that is the risk factor here. So what we do with a lot of our clients is something called the hybrid method. The hybrid method is as long as the market is flat or positive, you keep delaying your social security to get that higher benefit amount. But if the market were to drop 15, 20, 25%.
We would go ahead and at least claim one benefit, if not both, because we don’t want to put your retirement on pause. We want you to enjoy those first five to seven years, ten years of retirement. And there’s been a lot of studies done showing that retirees are fearful of spending their own portfolio assets down, but they’re more willing to spend pensions and social security and supplementing their portfolios with those withdrawals. Okay. So that’s what I would recommend on that. Also,
Their income plan has to tie in with their investment plan. So heading into retirement, we need to make sure that we are situated correctly. What does that mean? Well, that means that our firm we’d like to have something called your war chest. So your war chest is this five years of spending needs that are set aside in cash and bonds. bucket one is cash, so 12 months of spending needs. Bucket two is bonds, so at least four years of spending needs. Okay, and this has to be
Danny (11:58.128)
determined specifically on the client’s situation depending upon whether they’re claiming social security or not, and some of those other expenses that we talked about, like healthcare. So for this client, you know, if they do take social security at 62, they are gonna need these five years of withdrawals. So that’s about $730,000 in cash and bonds. Okay, so this would lead them to a portfolio of roughly $60, $40.
Kind of heading into retirement. then once they got out of retirement or or got out of that spending phase, their withdrawal rates are gonna drop. So there they only need 468,000 in cash and bonds. So that would lend them to a little bit more aggressive portfolio, maybe a 70 30 or 7525 as they age past those first five to seven years of retirement. Okay, so this is a
crucial piece because we never want to be forced sellers and be forced to have to sell our stocks and the market downturn. We want to have this $730,000 set aside in safe assets to be the buffer there to help protect us between sequence of returns risk. So number one, we have our retirement income guardrails that tell us when we need to cut spending and make adjustments. And then number two, we have our five years of war chest money set aside to help be the buffer
for that client’s retirement. Alright, well the next piece that we’re gonna look at is taxes. When we’re thinking about taxes, we have all their cash flows built into the software and the software is calculating how much tax they’re gonna pay in each year if they do no planning. Okay, so that’s the first step. What is their retirement lifetime tax bill if they do no planning? Okay, so when we look at this client, if they just take things how they take them, you know most of their money is in IRAs and 401ks
So it’s gonna become taxable, and we just see how much they’re paying in federal taxes. Okay, then they are get on RMD age at 75, and you can see the taxes really start to shoot up here and then just get larger and larger and larger as their RMDs are getting larger. So this client is projected to have pay about 1.8 million dollars in federal income tax.
Danny (14:17.376)
Over the course of their retirement. And you can see they go from the 10 to 22 to 12, 22, 24, and then 32% tax bracket. Now in this scenario, they’re the same age and we have them both dying at the same time. But what if one spouse dies, you know, five or seven years earlier? We call that the widow’s tax trap. In that instance, these rates would probably jump up to the 35 or 37% tax bracket for those five or seven years. So we do want to try to factor that in potentially.
Okay, so the first thing that we do is we take their finances and we see, okay, if we convert up until the 10% bracket, how much is that saving us in additional taxes and tax adjusted ending wealth? Okay, so that’s $358,000. Now let’s go to the 12% tax bracket. So that is saving them $590,000 less in taxes paid, and their net adjusted ending portfolio value is $768,000.
By doing this Roth conversion strategy up until the 12% bracket. Okay. So what does that look like in practice? Well, you can see we’re doing these conversions here. So there’s a couple heavy years right here of conversions, and then you can see these other conversions happening up until RD age. Okay? And then no more conversions. Now, our software is assuming that tax rates are not gonna change. I think most people would assume.
That tax rates are potentially gonna go higher later on in in retirement. So we also have to factor that in, and that could juice some of these results a little bit more. Okay. Now clients will say, Well, what about if we do more Roth conversion? Shouldn’t we be doing more? Well, if we do conversions up into the 22% bracket, we actually are worse off. Okay? Our tax adjusted ending value is actually worse off by doing into the 22% bracket. Okay.
So that’s why Roth conversions can be very tricky because you can do too little of a conversion, but you can also do too much of a conversion. So you really gotta find that sweet spot. Then we also have to think about okay, what are some of the other things that we can do? Well, once they turn 70 and a half, they can do QCD, so qualified charitable distributions. If they have a charitable inclination, that will also help lower their IRA or 401k balance and help them kind of figure that piece of it out. Okay.
Danny (16:44.034)
That’s how we kind of do the tax planning. We we take a 30-year view, and then we say, okay, what’s the total tax bill if we do nothing? And then we say, okay, what’s the total tax bill if we do Roth conversions? And then we look at, okay, we pull up a different software and say, okay, in this year, we’re gonna do conversions of $120,000. That’s gonna keep us under this Irma bracket, and it’s gonna allow us to kind of be where we wanna be for that specific.
Tax year. Now I want to mention a couple other things that we haven’t talked about. Okay. So at our firm, we have our limitless retirement program, which focuses on the five key areas that we think all clients need to plan for: retirement income, tax planning, investments. But we haven’t talked about long-term care or estate planning. Okay. So we would want to have some discussion about how we’re going to pay for long-term care. Are we going to self-insure? Are we going to get some type of long-term care policy to help supplement the costs?
long-term care. That’s one thing that we do need to explore. And then number two is what estate plan do we need to set up and what documents do we need to do? And how do we fund these assets into their newly created state plan? Now if this is something you’re interested in doing at our firm we have something called our free retirement assessment program. Kind of walks clients through this exact process and shows you what these numbers
would look like for your specific situation. If that’s something you’re interested in, click the link below and we’d love to schedule a twenty minute intro intro call just to see if we’re a good fit and see if this is something that would make sense for you. Have a great day.
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