If you're within 10 to 15 years of retirement, you're entering one of the most important financial planning periods of your life.

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The decisions you make over the next several years may have a greater impact on your retirement than the investment returns you earn. Questions like when to retire, when to claim Social Security, how much you can spend, and how to reduce taxes can significantly influence your financial future.

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At In The Money Retirement Planning, we specialize in helping Connecticut pre-retirees build a personalized retirement strategy designed to help make work optional. Our goal is to help you transition from accumulating wealth to confidently living off the savings you've spent decades building.

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Who We Help

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Our firm is designed for people who are approaching retirement and want more than investment management.

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We work best with individuals and couples who are:

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• Between ages 50 and 65

• Planning to retire within the next 5 to 15 years

• Saving consistently for retirement

• Looking for guidance beyond investment performance

• Interested in reducing lifetime taxes

• Preparing to create retirement income

• Seeking an ongoing relationship with a trusted advisor

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Whether you're an engineer, healthcare professional, educator, executive, government employee, or business owner preparing for retirement, our planning process is designed around the unique challenges of this stage of life.

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Retirement Is More Than an Investment Decision

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Many people believe retirement planning is simply about growing their investments.

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In reality, successful retirement planning involves coordinating dozens of financial decisions that all work together.

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These include:

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• Retirement income planning

• Investment management

• Tax planning

• Social Security claiming strategies

• Medicare planning

• Roth conversion planning

• Estate planning

• Insurance reviews

• Cash flow planning

• Required Minimum Distributions

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Your investment portfolio is only one piece of the puzzle.

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Can You Afford to Retire?

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One of the first questions we help clients answer is whether they're financially ready to retire.

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Rather than focusing on a specific account balance, we evaluate your complete financial picture, including:

• Retirement savings

• Expected spending

• Social Security benefits

• Pension income

• Taxes

• Inflation

• Healthcare costs

• Investment strategy

• Longevity

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Our goal is to help you understand whether your current plan is likely to support the retirement lifestyle you envision.

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Building Your Retirement Paycheck

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When you retire, your paycheck no longer comes from your employer.

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Instead, you'll likely receive income from several different sources.

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We'll help coordinate:

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• Social Security

• Retirement account withdrawals

• Pension benefits

• Taxable investments

• Roth accounts

• Cash reserves

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Creating a reliable retirement paycheck is about more than simply withdrawing money. It's about creating a strategy designed to support your lifestyle while helping your savings last throughout retirement.

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Reducing Lifetime Taxes

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Taxes don't disappear when you retire.

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In fact, many retirees discover they pay more taxes than expected because of Required Minimum Distributions, Social Security taxation, and retirement account withdrawals.

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Our planning process evaluates opportunities such as:

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• Roth conversions

• Tax-efficient withdrawal strategies

• Managing tax brackets

• Coordinating retirement income

• Reducing future Required Minimum Distributions

• Planning for Medicare premium surcharges (IRMAA)

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Our objective is to help you make informed tax decisions that support your long-term retirement goals.

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Social Security and Medicare Planning

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For many retirees, Social Security and Medicare represent two of the biggest financial decisions they'll make.

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We'll help you evaluate:

• When to claim Social Security

• Coordinating benefits for married couples

• Medicare enrollment timelines

• Medicare supplement options

• Healthcare planning before and after age 65

• The impact of taxes on retirement income

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These decisions should be integrated into your overall retirement plan—not made independently.

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Managing Investments During Retirement

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Your investment strategy should evolve as retirement approaches.

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Instead of focusing solely on growth, your portfolio should also support income, manage risk, and provide flexibility during changing market conditions.

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Our investment process focuses on:

• Appropriate asset allocation

• Portfolio diversification

• Risk management

• Periodic rebalancing

• Tax-aware investment decisions

• Aligning investments with your retirement income strategy

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Investment management is most effective when it's coordinated with your overall financial plan.

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Retirement Planning Doesn't End When You Retire

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Many people assume retirement planning ends on the day they stop working.

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In reality, retirement introduces a new set of financial decisions.

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We'll continue helping you navigate:

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• Annual tax planning

• Required Minimum Distributions

• Portfolio adjustments

• Healthcare expenses

• Charitable giving strategies

• Estate planning reviews

• Retirement income adjustments

• Major life changes

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Your financial plan should evolve alongside your life.

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Why Work With In The Money Retirement Planning?

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Our firm was built specifically to serve Connecticut pre-retirees.

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Rather than focusing only on investment performance, we believe retirement planning should address every aspect of your financial life.

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We help clients make informed decisions by coordinating:

• Retirement income

• Tax planning

• Investments

• Social Security

• Medicare

• Estate planning

• Insurance

• Cash flow

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Our goal is to simplify complex financial decisions so you can approach retirement with greater confidence.

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Frequently Asked Questions

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When should I begin retirement planning?

Ideally, retirement planning should begin at least 10 years before your expected retirement date. Starting early provides more opportunities to improve savings, reduce taxes, and prepare your retirement income strategy.

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Is retirement planning only for wealthy people?

No. Anyone approaching retirement can benefit from having a personalized strategy. Retirement planning isn't about how much money you have—it's about making informed decisions with the resources you've accumulated.

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What makes retirement planning different from investment management?

Investment management focuses on your portfolio. Retirement planning coordinates investments with taxes, Social Security, retirement income, Medicare, estate planning, insurance, and long-term financial goals.

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How often should I update my retirement plan?

Most people should review their retirement plan at least annually or whenever major life changes occur, such as retirement, marriage, inheritance, changes in health, or significant tax law updates.

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Do you only work with Connecticut residents?

While our expertise is centered on helping Connecticut pre-retirees, we can work with clients in states where we are properly registered or exempt from registration requirements.

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Start Planning for the Retirement You've Worked So Hard to Achieve

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Retirement isn't simply about leaving your job. It's about creating the financial confidence to enjoy the next chapter of your life.

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At In The Money Retirement Planning, we help Connecticut pre-retirees coordinate retirement income, taxes, investments, Social Security, and healthcare into one comprehensive financial strategy.

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If you're within 5 to 15 years of retirement and want to know whether you're on the right track, we'd love to help.

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Schedule your Retirement Readiness Call today and begin building a retirement plan designed around your goals, your lifestyle, and your future.