Uploaded June 2026 | Updated September 2026, 3 weeks ago
The biggest retirement mistakes usually happen during the six-year window surrounding retirement: the three years before and the three years after you stop working. Before retirement, know your true spending, not just your monthly bills. Factor in travel, gifts, home repairs, healthcare, and everything else that impacts your lifestyle. If you're retiring before Medicare, understand exactly how you'll cover health insurance. And don't forget tax diversification. Having all your money trapped inside a pre-tax 401(k) can create major tax problems later. Once retirement begins, the focus shifts to protecting against early market declines, creating a smart withdrawal strategy, and making thoughtful Social Security decisions. Retirement success isn't determined on your retirement date. It's determined by the preparation that happens around it.
Follow my page for clear, no-fluff financial planning steps!
Visit for more - wealthrb.com
Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
All investing involves risk including loss of principal. No strategy assures success or protects against loss.
#CFP #Financialplanner #retirement #retirementincome #IRS #retirementfinancialplanning
The biggest retirement mistakes usually happen during the six-year window surrounding retirement: the three years before and the three years after you stop working. Before retirement, know your true spending, not just your monthly bills. Factor in travel, gifts, home repairs, healthcare, and everything else that impacts your lifestyle. If you're retiring before Medicare, understand exactly how you'll cover health insurance. And don't forget tax diversification. Having all your money trapped inside a pre-tax 401(k) can create major tax problems later. Once retirement begins, the focus shifts to protecting against early market declines, creating a smart withdrawal strategy, and making thoughtful Social Security decisions. Retirement success isn't determined on your retirement date. It's determined by the preparation that happens around it.
Follow my page for clear, no-fluff financial planning steps!
Visit for more - wealthrb.com
Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
All investing involves risk including loss of principal. No strategy assures success or protects against loss.
#CFP #Financialplanner #retirement #retirementincome #IRS #retirementfinancialplanning
