Winter: Retirement & Cash Flow
Why This Season Matters
Winter is the perfect time to get your financial house in order. The new year is here — a new financial you. And I want to motivate you to take action. A conversation covering your cash flow, your retirement income strategy, and your next chapter sets the tone for everything that follows. The more prepared you are walking in, the more we can accomplish.
What You'll Walk Away With
A clear picture of your monthly cash flow — what's coming in, what's going out, and where you can optimize.
Confidence in your retirement income strategy, including when and how to claim Social Security.
An understanding of how to protect your future income from market volatility and sequence-of-returns risk.
A personalized action plan — specific next steps tailored to your situation after our meeting.
Cash Flow Topics
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Discuss budgeting with Monarch Money
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Build your financial plan with RightCapital
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Review Flourish Cash and the client portal
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Find money via your state's unclaimed property website.
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Discuss account funding or distribution needs
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Review your cash management strategy
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Review our "Prioritizing Cash Flow" guide
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Get organized with insurance and asset spreadsheets
Retirement Topics
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Social Security claiming strategies
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Discuss the "Permission To Spend" piece
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Discuss the 5-Year Protection Shield
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Understand safe withdrawal rates
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Understand sequence-of-returns risk
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Discuss your retirement picture
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Review your RMDs strategy
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Discuss your legacy and inheritance goals
The Big Idea This Season
" There are actually two ways a retirement can fail. The first is running out of money. The second — and just as real — is leaving this world with $3 million you never spent because you were too afraid to.
Both are failures. My goal is to help you spend with confidence - not fear. Together, we'll create a plan so your money lasts your lifetime and you can enjoy the retirement you've worked so hard to achieve."
Questions to Think About Before We Meet
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Do you know exactly where your money goes each month — and does it reflect what matters most to you?
Are you confident in when you'll claim Social Security — and do you know how that decision affects your lifetime income?
Do you have a clear strategy for how you'll draw down your accounts in retirement — and in what order?
Have you checked whether you have unclaimed funds sitting at your state's treasury?
If the market dropped significantly the year you retired, would your plan still hold up?
Is your cash sitting in an account earning a competitive rate, or is it working harder somewhere else?
How to Prepare
Social Security Statement
You can retrieve yours by creating a free account at www.ssa.gov.
Mortgage Information
Original balance, current balance, interest rate, loan term, and your principal & interest payment.
Other Loan Information
Student loan statements and outstanding credit card balances.
Monthly Average Spending Figures
An approximate figure is totally fine — we just want a reasonable ballpark to work with.
Tools & Resources Powering This Season
Here are the tools we use to power your financial plan.
RightCapital is your comprehensive financial planning platform — built around your goals.
Flourish Cash is a high-yield cash management so your savings are always working hard for you.
Monarch Money assists with smart budgeting and cash flow tracking to see exactly where your money goes each month.
Sensitive documents are securely delivered and exchanged through Encyro's encrypted platform.
