Speaking Engagement – Book Michael

Many retirees with $2 million or more still hesitate to spend after decades of saving. Learn how Social Security, taxes, healthcare, longevity, market risk, and legacy goals can help determine how much you can comfortably spend in retirement.

When one spouse dies, the surviving spouse’s retirement plan can change significantly. Social Security income may decrease, taxes and Medicare premiums can shift, and retirement accounts may need to be retitled or transferred. Planning ahead can make the financial transition easier to manage.

Paying off your mortgage before retirement can reduce monthly expenses and provide peace of mind, but it can also reduce liquidity or create tax consequences. Learn the key factors to consider before deciding whether to enter retirement mortgage-free.

If you’re retiring next year, your 401(k) may soon become part of your retirement paycheck. Learn the key factors to consider before deciding whether to leave your money in the plan, roll it into an IRA, or use a combination of both.

The first three years of retirement can create valuable planning opportunities. Learn how withdrawals, Roth conversions, Social Security, Medicare, RMDs, and investment decisions can work together to shape your long-term retirement plan.