FINANCIAL ADVISOR FOR EARLY RETIREMENT — SOUTH CAROLINA
Serving Greenville • Mount Pleasant • Fort Mill • Columbia • Hilton Head
Let’s Talk — Get Your Plan Started
Fast, friendly, and no obligation.
EARLY RETIREMENT ISN’T JUST ABOUT HAVING “ENOUGH.” IT’S ABOUT HAVING A PLAN THAT MAKES YOUR MONEY LAST — AND YOUR LIFE RICH.
Why a Financial Advisor Matters for Early Retirement
- Sequence-of-returns protection: A poor market early on can derail a portfolio. We design withdrawal guardrails, cash buffers, and rebalancing rules to keep you on track.
- Tax-smart income: Coordinating brokerage, IRA, Roth, HSA, and pension/Social Security timing can add years of longevity to your plan.
- Healthcare bridge: Before Medicare, premiums and subsidies can swing thousands. Smart AGI management matters.
- Purpose & spending: Fund the life you want — not just the bills you fear.
Your Early Retirement Blueprint
1) Numbers That Matter
“What’s my number?” We translate life costs into an inflation-aware spending target, stress-tested across market scenarios. Then we set a withdrawal guardrail (e.g., 3.5–4% with rules to pause raises after bad years).
2) Tax-Efficient Paycheck
- Roth conversions in lower-income years (before RMDs/SS) to cut lifetime taxes.
- Capital-gain harvesting in the 0–15% brackets while keeping ACA subsidies intact when needed.
- Account sequencing: use brokerage first for flexibility, then traditional IRA; preserve Roth for last/legacy.
3) Portfolio Built for Paychecks
- Bucket strategy: cash & short-bonds for 2–4 years of withdrawals; growth assets for later years.
- Rules, not guesswork: rebalance bands, harvest losses, and direct dividends to cash needs.
- Optional income layer: consider fixed-income ladders or annuity sleeves for a guaranteed floor.
4) Healthcare & Insurance
- Pre-Medicare plan: evaluate ACA options, manage MAGI, and plan for HSA use if eligible.
- Medicare transition: select Part D/Advantage/Medigap to fit meds, doctors, and travel.
- Risk management: review life insurance, long-term care, and umbrella liability.
5) Social Security Strategy
Coordinate with taxes and survivor benefits. Sometimes delaying one spouse and claiming the other early is optimal — the point is a coordinated household plan, not a guess.
6) Real-Life Design
- Housing: downsize, relocate, or tap equity? Run the math on taxes, costs, lifestyle.
- Work optional: part-time or seasonal income can dramatically reduce portfolio stress.
- Purpose: travel, family, volunteering — we budget for joy on purpose.
What We Do Together
- Clarify Your “Why” & Spending: a vivid 10-year life plan, not just a spreadsheet.
- Build a Written Income Plan: exactly where every dollar comes from — month by month.
- Cut Lifetime Taxes: annual tax map with conversions, harvesting, and bracket management.
- Protect the Plan: insurance review, estate basics, and contingency protocols.
- Stay on Course: quarterly/annual check-ins — adjust as life changes.
READY TO MAKE WORK OPTIONAL? LET’S BUILD YOUR PLAN.
Let’s Talk — Get Your Plan Started
Fast, friendly, and no obligation.
Common Questions
How much do I need to retire early?
It depends on spending, taxes, and sequence risk. We start with your after-tax lifestyle cost, then back into a safe withdrawal plan, not a one-size “number.”
What if a bear market hits right after I retire?
That’s the sequence problem. We use cash buffers, flexible withdrawals, and rebalancing rules to avoid selling low.
Should I take Social Security early?
Sometimes. The best choice comes from coordinating taxes, life expectancy, and survivor benefits — not just break-even math.
Educational content only; not tax, legal, or investment advice. Plans and investments involve risk. We’ll customize recommendations to your situation.