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Pre and Early Retirement

As you approach retirement, take some time to thoughtfully consider what shape this impending, life-changing event will take. Decide what retirement will look like regarding how much you work, what you spend on your lifestyle, and what milestones you want to achieve before it’s all said and done.


Planning for Retirement

For pre-retirees or those in the early-retirement stage, the first step of creating or launching a retirement plan is embracing a new way of living. That can mean rethinking work, family, housing, travel, education, or all of the above.

Of course, it’s helpful to identify your long-term financial goals and ideal retirement lifestyle while in your highest wealth accumulation phase. You have time on your side,  in terms of both health span and asset compounding.

50s & 60s

Retirement Milestones

Pre-retirement and during early-retirement years, planning is the name of the game. It’s time to dig deep, assess your financial situation, and imagine the life scenarios to come as you accumulate assets, maximize retirement contributions, and dust off your will, trust, and other legal agreements.

Two retired women enjoying coffee at an outdoor cafe.
A man in his 50s watering the plants in his house.
A man who retired early enjoying a round of golf


Retirement Account Catch Up Contributions

Maximize Savings

Build up your nest egg with additional funds to retirement accounts like 401(k)s, 403(b)s, and IRAs.



HSA Catch Up Contributions

Triple Tax Benefit

Maximize savings for future healthcare expenses with tax-deductible contributions, tax-free earnings, and tax-free qualified withdrawals.



Early Retirement Withdrawals

Separated from Job

After separating from service with an employer, take withdrawals from an employer-sponsored retirement plan, such as a 401(k), without incurring the usual early withdrawal penalty.



Penalty-Free Retirement Withdrawals

Retirement Distributions

Take withdrawals from all types of retirement accounts, including employer-sponsored plans and IRAs, without incurring the 10% early withdrawal penalty.

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Our Services

Early Retirement Planning

Better early than late: Even if it feels uncomfortably premature to be thinking about how much you will be spending a year in 30 years, where you will be living as an empty nester, or what your assets will look like, creating your roadmap is a pre-requisite to retirement success – however you define it.

Tax Planning

Plan ahead on ways to minimize taxes on retirement income and capital gains of investments.

Investment Management

Review and adjust your investment portfolios to ensure they are well-suited for your risk tolerance, investment horizon, and financial goals.

Comprehensive Financial Planning

Start estimating retirement expenses to have a clear idea of how much needs to be saved and invested. Look at areas like expected healthcare costs and desired lifestyle.

How Can We Help?

Talk to a financial advisor about what early retirement or pre-retirement planning may look like for you. Get the tools & expertise you need to retire with confidence.

Our Approach

How We Work


Spend some time with us to discuss your current situation and retirement goals. If we agree that we are a good fit for each other, we will progress to the next step.


We will gather relevant information from you, construct a blueprint and review it with you to discuss how we can work together. We then review our service offering and agree on a path to move forward.


Time to start working together. We will deliver your Retirement Policy Statement, open accounts, transfer assets (as appropriate) and set up our technology infrastructure. Your retirement blueprint is put into action.


We begin our ongoing planning and investment management. We will establish our communication plans and schedule of activities with you, so you know what to expect going forward. We will also establish a regular schedule to review and monitor your finances, check your progress toward your goals and make any necessary adjustments along the way.

Ready to Work Together?

A cozy nook with a laptop on the table
Additional Services

Retirement Management

Explore our additional retirement services designed to guide you through every stage of your retirement journey. Whether you’re in the dynamic phase of optimizing your 60s and early 70s or navigating the legacy-focused years beyond your mid-70s, our specialized offerings cater to your unique needs.

Retirement Implementation
60s & 70s

During your 60s and early 70s in retirement, individuals prioritize optimization. This includes maximizing opportunities for bucket-list travel, enriching life experiences, maintaining health and fitness, and, naturally, securing and managing wealth. Retirees dedicate this period to organizing their financial affairs as they encounter significant milestones along the way.

Retirement Legacy
70s & 80s

Beyond the mid-70s, retirees shift their focus to safeguarding retirement income, overseeing healthcare and long-term care expenses, and revising their estates. Emphasizing healthspan and longevity may redirect energy away from financial concerns, allowing retirees to invest more time in sustaining their preferred lifestyle.

Download our free checklist of 32 important issues you should really think about before you retire.


Download our free checklist of 32 important issues you should really think about before you retire.

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Life is full of financial milestones. We pay for college, we get married, we start businesses. But the most important financial decision we will ever make is when and how to retire. Milestone Money helps you map success to and through retirement.