Couples Approaching Retirement
You’ve worked hard to build meaningful wealth — and now the focus is on making the most of it. As you approach your next life stage, decisions about retirement timing, investments, income, and taxes begin to feel more real. You’re looking for clear direction and coordinated guidance so you can move forward with clarity and confidence, knowing your financial life is working together toward the future you want.
Life Moments That Spark the Conversation
- Approaching retirement and wanting a clearer picture of readiness
- Deciding when (and how) to take Social Security or a pension
- Shifting from saving to thinking about income and distributions
Concerns About Making the Most of What You’ve Built
At this stage, most couples aren’t just thinking about numbers. They’re asking themselves:
When can I retire? Will I be okay? Will I need to change my lifestyle?
These are exactly the right questions — and getting clear answers requires looking at your complete picture: income, investments, benefits, taxes, and timing working together.
Seeing the complete retirement picture clearly.
You may be unsure whether your savings, investments, and income sources truly add up to the retirement you envision.
Turning savings into an income plan.
Moving from accumulation to distribution raises questions about withdrawals, timing, sequence-of-returns risk, and sustainable spending.
Making smart Social Security and pension decisions.
You want guidance on when to file, how benefits fit into your broader strategy, and how spousal benefits or survivorship options apply.
Services to Help You Make the Most of Your Wealth
Maximizing your wealth at this stage is about more than market returns; it’s about coordinating income, investments, taxes, and benefits so everything works together. We help you move from accumulation to distribution with clarity, turning what you’ve built into a plan you can confidently live with.
Financial Planning
- Clarifying your full retirement picture
- Creating a sustainable income and distribution strategy
- Stress-testing your plan for different “what-if” scenarios
Wealth Management
- Aligning investments with your retirement income needs
- Managing risk as retirement approaches
- Diversifying concentrated stock or employer equity
Why Partner with ProVise? Make the Most of Your Wealth.
At this stage, your financial life is substantial — and the decisions you make next will have a lasting impact. Many clients in this phase want a coordinated approach and a trusted team to help them simplify complexity, avoid missteps, and feel confident about the path ahead.
At ProVise, we bring together retirement income planning, tax strategies, investment management, and benefit decisions to create a cohesive financial plan for your life.
Fiduciary advisors
As fiduciaries, we put your best interests first. Whether we’re helping you decide when to claim Social Security, structure retirement income, or diversify a concentrated stock position, our guidance is designed around your goals, not product sales or commissions.
CFP® Professionals
The CFP® designation is the recognized standard of excellence for financial planners. Our CERTIFIED FINANCIAL PLANNER® professionals look beyond individual accounts to your entire picture — income needs, investments, taxes, insurance, estate intentions, and potential “what-ifs.” This perspective helps you move confidently from saving to spending, knowing each piece supports the life you want to live.
More than just a plan
You don’t just need a document; you need an ongoing partner. We help you implement your strategies, monitor progress, and adjust as laws, markets, or your life change. Whether you’re deciding when to retire, transitioning from work, or navigating healthcare and benefits milestones, we’re by your side each step of the way.
Clarity and Momentum Start with a Conversation
Whether you’re determining the right retirement date, evaluating Social Security or pension options, or figuring out how to turn savings into sustainable income, a conversation can bring clarity. We’ll take the time to understand what you’ve built and what you want life to look like next, then help you create a plan to get there.
Case Study: Couples Approaching Retirement
Meet the Harringtons
David and Lisa Harrington are in their early 60s and beginning to think seriously about the next chapter of their lives. Both have enjoyed long, successful careers and have accumulated significant retirement savings across employer plans, IRAs, and investment accounts. Their two adult children are financially independent, and the Harringtons are now turning their attention toward their own retirement timelines.
They feel fortunate for what they’ve built but want to be sure they are making the most of it now. David and Lisa want clarity around when they can retire comfortably, how much they can spend, and how best to structure income so they can enjoy travel, time with family, and community involvement without worrying about running out of money.
Top Wealth Management Needs
The Harringtons’ top concern was determining whether they were truly ready to retire and what “ready” meant in terms of dollars and lifestyle. They wanted help:
- Turning savings into a retirement income strategy
- Deciding when to claim Social Security and whether to delay benefits
- Coordinating withdrawals across taxable, tax-deferred, and Roth accounts
They also asked for guidance on healthcare costs in retirement and how potential long-term care expenses could impact their overall plan.
How ProVise Helped
We began by helping David and Lisa identify the life they wanted in retirement — where they would live, how often they would travel, and what “a great year” would look like for them. With that vision in place, we:
- Built a retirement income plan designed to provide stable, sustainable cash flow
- Evaluated several retirement dates to show how timing would affect their plan
- Rebalanced and simplified their investments to match income needs and risk tolerance better
We also discussed their legacy intentions for their children and charitable priorities, making sure those goals were reflected in their overall plan.
The Result
Today, David and Lisa have a clear picture of:
- When they can retire comfortably
- How much they can spend without jeopardizing their future
- How taxes fit into their long-term strategy
Are You Confident You’re Making the Most of Your Wealth?
If you’re not entirely sure, you’re in good company. Many people at this stage want guidance, clarity, and a coordinated plan for what comes next. We’re here to help you turn what you’ve built into a future you feel confident living.