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Your Last Year Before Retirement: Avoid These 4 Mistakes
You’re in the home stretch, just months away from retirement. The numbers look good. The plan feels solid. But here’s the reality: your last year before retirement may be the highest-stakes financial year of your life.
In this episode, we break down 4 critical retirement mistakes that even well-prepared, high-net-worth families make and how to avoid them before it’s too late.
From failing to stress-test your retirement income plan, to leaving earned employer benefits on the table, to overlooking a healthcare bridge strategy, and mismanaging the tax implications of your retirement date, these are not small oversights. They can cost you thousands of dollars over your retirement.
You’ll learn why your last working year is your final safety net, how to test-drive your retirement budget before income stops, the hidden value in 401(k) matches, PTO, pensions, and equity, how to avoid a costly healthcare coverage gap before Medicare, and why your retirement date is a tax decision—not just a milestone
👉 Work with us at https://www.f5fp.com.
About F5 Financial Planning:
At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.
At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most.
Visit https://www.f5fp.com to learn more about our services and planning process.
*****
Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice.
Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.
#FinancialFreedom #FinancialPlanning #WealthManagement #RetirementPlanning #F5Financial
View all episodes
By Josh Duncan, CFP®You’re in the home stretch, just months away from retirement. The numbers look good. The plan feels solid. But here’s the reality: your last year before retirement may be the highest-stakes financial year of your life.
In this episode, we break down 4 critical retirement mistakes that even well-prepared, high-net-worth families make and how to avoid them before it’s too late.
From failing to stress-test your retirement income plan, to leaving earned employer benefits on the table, to overlooking a healthcare bridge strategy, and mismanaging the tax implications of your retirement date, these are not small oversights. They can cost you thousands of dollars over your retirement.
You’ll learn why your last working year is your final safety net, how to test-drive your retirement budget before income stops, the hidden value in 401(k) matches, PTO, pensions, and equity, how to avoid a costly healthcare coverage gap before Medicare, and why your retirement date is a tax decision—not just a milestone
👉 Work with us at https://www.f5fp.com.
About F5 Financial Planning:
At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.
At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most.
Visit https://www.f5fp.com to learn more about our services and planning process.
*****
Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice.
Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.
#FinancialFreedom #FinancialPlanning #WealthManagement #RetirementPlanning #F5Financial