Pre-Retirement Phase
Master Your Transition to Financial Freedom
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.
Our Solution: Life Plan 360 for Pre-Retirees
Our comprehensive approach integrates every aspect of your financial life into one cohesive pre-retirement strategy:
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Strategic Retirement Income Planning
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Develop and execute your unique Life Plan 360.
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Tax-efficient withdrawal preparation.
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Gap analysis and corrective strategies, if needed.
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Retirement stress testing for various market scenarios.
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Portfolio Transition Management
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Gradual risk recalibration of your allocation to match your retirement time horizon.
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Strategies to manage sequence of return risk.
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Strategic Roth conversion analysis.
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Lifestyle Optimization
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Medicare planning and supplemental insurance analysis.
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Healthcare cost projections and funding.
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Wellness strategies for an active and fulfilled retirement.
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Life Integration
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Review Estate Plan design and implementation
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Family wealth communication strategies
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Charitable giving and legacy planning
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Life purpose and meaning exploration
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What Sets Our Approach Apart:
Our comprehensive approach integrates every aspect of your financial life into one cohesive strategy:
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Transition Expertise: Specialized knowledge in the critical pre-retirement phase.
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Integrated Planning: Coordinating all aspects of retirement preparation.
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Behavioral Coaching: Supporting the emotional aspects of retirement transition.
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Technology-Enhanced: 24/7 access to your complete financial picture.
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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:
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Getting Acquainted: Meet your L|S|P advisory team, share your story, and begin building a foundation of trust. This session helps us understand what matters most to you personally and financially.
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Retirement Vision & Alignment: We explore your ideal retirement lifestyle, timeline, and key concerns. Then, we assess where you are today, identifying gaps & opportunities to align your current strategy with your future vision.
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Life Plan 360 Insights & Action Plan: We walk you through your personalized Life Plan 360 highlighting key insights, planning opportunities, and actionable strategies. This comprehensive roadmap aligns your financial decisions with your goals and aspirations.
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Implementation & Coordination: We handle the heavy lifting to bring your plan to life. Our team manages the tactical implementation and asset transitions, keeping you informed with weekly progress updates throughout the process.
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Regular Strategy Sessions: Planning doesn’t stop at implementation. Stay on course with semi-annual strategy sessions to celebrate milestones, make proactive adjustments, and ensure your Life Plan 360 evolves with you.
