Financial Planning for Pre-Retirees: Your Retirement Starts Now

If you’re in your 50s or early 60s and starting to think seriously about retirement, you’re in the right place. Our financial planning for pre-retirees is built to help you turn uncertainty into clarity—so you can enter retirement with confidence. Whether you’re 10 years away or already setting a date, we’ll help you create a clear path forward.



In communities like Middleton, Jackson, and throughout West Tennessee, we work with late-career professionals, educators, and business owners who want to make smart decisions in these critical years. We’ve helped clients align their investments, reduce taxes, and transition smoothly into retirement—without second guessing.

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What You Should Be Thinking About 5–10 Years Before Retirement

These are the years where your decisions have the greatest impact. We’ll help you:

  • Maximize retirement contributions, including catch-up limits for 401(k)s and IRAs

  • Adjust your investment strategy to balance growth and risk

  • Evaluate when and how to claim Social Security

  • Prepare for Medicare and healthcare costs

  • Create a timeline for debt payoff, income planning, and insurance

If you have a pension—especially through a federal job or school system—we’ll walk you through payout options, survivor benefits, and how that income fits into your full plan.

Our Pre-Retirement Planning Approach

We don’t just look at your portfolio. We look at your life. Every pre-retirement plan we build includes:

  • Investment allocation and risk analysis (linked to your goals)

  • Income projections and drawdown strategies

  • Tax planning to minimize what you owe before and after retirement

  • Insurance and long-term care planning

  • Review of your estate documents and beneficiaries

It’s not about chasing returns—it’s about building a stable, reliable future that lets you retire on your own terms.

Your Pre-Retirement Checklist

Wondering where to begin? Here are a few places we usually start:

  • Estimate your monthly income needs

  • Project your expected Social Security and pension income

  • Max out retirement account contributions

  • Pay off high-interest debt

  • Review current insurance (life, health, disability)

  • Consider long-term care coverage

  • Review wills, powers of attorney, and beneficiaries

This checklist is a great starting point, but everyone’s situation is different.
Request a Free Pre-Retirement Consultation to build a personalized roadmap.

Client Story: Confidence Before the Big Leap

James & Tina, both teachers in the Jackson area, came to us unsure if they could retire in 3 years. After reviewing their pension options, estimating retirement expenses, and building a tax-efficient drawdown plan, they set their retirement dates with full confidence. “We went from guessing to knowing. That made all the difference.”

Answering the Questions Pre-Retirees Are Asking

  • What should I do 5 years before retirement?

    Start evaluating your retirement income sources, plan your drawdown strategy, reduce debt, and review your investments for stability.

  • How can I catch up on retirement savings in my 50s?

    Take advantage of catch-up contributions in 401(k)s and IRAs. We’ll help you explore additional savings options and make sure every dollar works efficiently.

  • Do I need a financial planner for retirement?

    Yes—especially in the years leading up to it. Retirement is complex, and decisions now can affect you for decades to come.

Explore More Ways We Help


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Start Planning the Retirement You Want

Whether you want to retire early or just make sure you’re on the right track, the best time to start planning is today.
 Schedule your Pre-Retirement Planning Session and get a second opinion you can trust.