Pre-Retirees

Are you confident you're making the right financial decisions in the years that matter most?

You've spent decades building toward this. The career, the savings, the discipline — it's all been pointing toward retirement. And now, for the first time, the finish line feels real. But the closer you get, the more you realize how many decisions are converging at once — and how much is riding on getting them right.

When do you claim Social Security? How do you reposition your portfolio without triggering unnecessary taxes? What does your income strategy look like on day one of retirement? What happens to your healthcare before Medicare kicks in? These aren't questions you figure out as you go. They're decisions that need to be made deliberately, in the right sequence, with the full context of your financial life in view.

The five to ten years before retirement are among the most financially consequential of your life. The decisions compress, the margin for error shrinks, and what could have been corrected during your career may not be correctable once you've crossed into retirement.

At Blue Advisors, you work directly with me — an experienced fiduciary CFP® who has guided clients through exactly this transition for more than 20 years. I'll help you make the right decisions at the right time, so you arrive at retirement with confidence and a plan that's already working from day one.

Areas where I can help:

• Retirement readiness analysis and income projection
• Social Security timing and claiming strategy
• Tax-efficient portfolio repositioning and withdrawal planning
• Healthcare coverage and Medicare transition planning
• Estate planning coordination and beneficiary review