Retiring early is a dream for many, but achieving it requires more than just diligent saving. As retirement approaches, the financial landscape shifts—introducing new rules, tax implications, and income strategies. Many retirees unknowingly overpay in taxes, not due to mistakes, but because they’re operating under outdated assumptions. Navigating Social Security, Medicare, and required minimum distributions can significantly impact how long your money lasts. For couples like James and Mary, early retirement brought comfort and financial freedom—but it also highlighted the need for a smarter income strategy. If you’re planning to retire early, understanding how to optimize withdrawals and manage tax efficiency is crucial to making your savings work harder and last longer.

The Retirement Recap

Join the 1000+ other retirees and get weekly articles and videos to help you retire with confidence.
Subscribers also gain access to our private monthly client memo.

This does not constitute an investment recommendation. Investing involves risk. Past performance is no guarantee of future results. Consult your financial advisor for what is appropriate for you. Disclosures: https://onedegreeadvisors.com/solutions/#disclosures