The Next Chapter is Exciting. The Question is: Will Your Money Last?

What You’ll get in the guide.

• Set your vision

Define what a good retirement looks like: work or no work, travel, home plans, who you want to help. A quick prompt sheet helps you put it on paper.

• Inventory accounts and debts

List every 401(k), IRA, Roth, brokerage, pension, HSA—plus mortgage, vehicles, cards, and rates. One worksheet totals balances and tags each account as pre-tax, Roth, or taxable so nothing gets missed.

• Withdrawal & income plan (RMDs, taxes)

Decide the order to draw from accounts, line up Social Security timing, and see how RMDs affect taxes. You’ll get a simple tax-aware timeline.

• Healthcare planning (Medicare, pre-65 gap, long-term care)

Map Parts A–D, compare Medigap vs. Advantage, and price any pre-65 coverage gap. Notes page for long-term care options and today’s premiums.

• Investment review and cash buffer

Right-size risk for this stage and rebalance. Set a 6–12 month cash cushion so market swings don’t rattle your monthly spend.

• Legal docs checklist

Will, powers of attorney, healthcare directive, beneficiaries, and TOD/POD updates. A checkbox list makes it easy to see what’s done and what’s missing.

• Test-drive your budget

Run a three-month practice budget using your retirement numbers. Track needs vs. nice-to-haves and tweak before day one.

• Emotional & social prep

Plan purpose, routines, and relationships: hobbies, volunteering, part-time work, time with family. A short reflection page to keep it real.