Retirement is a series of stages. In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider cover what separates each of the 4 levels, and what you can do to level up no matter where you’re starting from.

This episode walks through the four “levels” of retirement, and how to move from one to the next. Let’s blend practical financial strategies with behavioral insights to help you assess where you are now and create a clear plan for leveling up.

We share actionable ways to:

• Identify which stage of retirement readiness you’re in, and the key pitfalls at each
• Boost your income security through smart debt reduction, savings habits, and Social Security timing
• Build a resilient income plan in the stability stage to avoid slipping backward
• Use advanced planning tools like donor-advised funds, Roth conversions, and legacy strategies to maximize impact in abundance
• Replace uncertainty with confidence by stress-testing your retirement plan and making stage-specific tweaks

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The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.

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