Check out the latest podcast episode on retirement planning by listening on “Apple Podcasts” or “Spotify Podcasts” and watch more retirement planning videos at YouTube.com/@MrRetirement.

When you’re preparing for your retirement, there are a lot of factors to consider. It’s tempting to put your retirement plan on autopilot once you’ve made that plan, but in this episode, I explore 3 simple but important steps you can take to make the most of your retirement investment.

Step 1: Explore Your Pension Options

Many overlook the impact of pension decisions on retirement income. When you consider all of your pension options, you can get a clearer picture of what might be the best way to utilize that pension instead of just approaching it the traditional way. By utilizing your company’s pension calculator, you can uncover potentially substantial additional funds.

Step 2: Project Your Social Security

Understanding your Social Security benefits and the different scenarios that are available to you in terms is another important step towards optimizing your retirement income. Instead of relying on the general numbers and assumptions everyone makes, diving into your personalized Social Security estimate can give you better information to make decisions that fit your needs.

Step 3: Don’t Make a Budget

It sounds counterintuitive, but the reality is that many people underestimate their actual spending as they forecast their retirement lifestyle. Time and again, retirees report their spending habits in retirement aren’t actually that much different than they were before retirement. By examining your actual spending habits from the past 12 months, you can gain insights into your true financial needs and create a sustainable & accurate plan for retirement.

Taking control of your finances and understanding your options is critically important to making the most of your retirement. Watch the full episode today on the Mr. Retirement YouTube page. Subscribe to receive new episodes every Wednesday.

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Apple Podcasts: https://podcasts.apple.com/us/podcast/retirement-revealed/id1488769337

Spotify Podcasts: https://bit.ly/RetirementRevealedSpotify 

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Disclosures

Videos/Podcasts/Blogs (media) published prior to June 30, 2025, were recorded and approved while the advisor was affiliated with Thrivent Advisor Network. These media reflect the advisor’s views and interpretations at that time. The information and disclosures contained in those media were believed to be accurate and complete as of the date of recording, but may not reflect current market conditions or Alongside, LLC, policies.

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This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy.

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