Retirement expected within five years
Within five years of retiring? Map the paycheck first.
The move from saving to spending creates decisions that are easy to postpone: when income begins, which expenses must be protected, and how much stays liquid. The Retirement Paycheck Map is an educational review — not a product presentation.
Complimentary and educational. A licensed specialist reviews it with you by Zoom or phone in about 20 minutes — no product presentation.
12+ years each
Retirement & income planning experience
3,000+
Retirement income strategies reviewed
$3 billion+
Retirement assets analyzed
Each of our Experts brings at least 12 years of successful college funding and retirement planning experience, beginning with A+ Rated Carrier Training.
What your Retirement Paycheck Map shows
- Essential spending you must cover regardless of market conditions
- Reliable income already scheduled to begin, and when it starts
- The remaining income gap, in dollars per month
- The liquidity reserve you want available in the first years
What a good outcome looks like
A completed worksheet, documented alternatives, and one clear next action — whether or not an annuity turns out to be appropriate.
The questions we work through
- Which expenses must be paid regardless of market conditions?
- What dependable income begins at retirement — and when?
- How much cash should remain immediately accessible?
How the follow-through works
- Day 0: Send the checklist and two meeting choices.
- Day 2: Call with the five-year checkpoint conversation.
- Day 6: Share one income-gap example.
- Day 12: Invite to the retirement countdown session.
- Day 21: Close the loop with two appointment options.
You decide the pace. At any point you can ask us to follow up later or close the loop entirely.
Common questions
Five-Year Retirement Checkpoint: the questions people ask first
How much monthly income will I actually have in retirement?+
Add the income already scheduled to arrive — Social Security, any pension, rental or business income — then compare it with the expenses you must pay no matter what the market does. The difference, in dollars per month, is your income gap. That number, not your account balance, decides how much of your savings has to be converted into a paycheck.
What should I do in the five years before I retire?+
Lock down the sequence: when income starts, which expenses are protected first, how much cash stays liquid for the early years, and what your tax picture looks like once paychecks stop. Decisions made in this window — pension election, Social Security timing, Roth conversions — are largely irreversible afterward.
Is a 20-minute review really enough to be useful?+
It is enough to produce one page: essential expenses, scheduled income, the gap, and your liquidity reserve. It is not enough to design a full plan, and nothing is recommended in it. You leave with the worksheet and one clear next action, whether or not you ever work with us.
Pick your time
Select a window for our team to verify your information and schedule your Expert match call
Pick a window and our team calls first to verify your details and confirm what to review. Then we match you to the right licensed specialist for your Tele-Wealth consultation. No pitch — we walk through your answers, your numbers, and what to fix first.
Smart Match — the right expert for you: We don't randomly assign you to whoever is available. We review your questionnaire answers and match you with an experienced Fiduciary Retirement Specialist who can best address your situation — then they stay with you from there.
Select My Verification Window →Plans change — that's fine. You can reschedule or cancel in a couple of clicks, any time, without calling or emailing us.
This review is educational and is not tax, legal, or accounting advice, and is not an offer or solicitation. Annuities are long-term insurance products that may involve fees, surrender charges, withdrawal limits, and tax consequences; guarantees depend on the claims-paying ability of the issuing insurer. Bank deposits and annuity contracts are not protected in the same manner. Rollovers and replacements are evaluated as balanced decisions, including the option to keep what you have. We coordinate with — and never substitute for — your tax and legal professionals.
Our fiduciary commitment
We only refer you to Retirement Experts who are obligated to act as a fiduciary at all times — legally bound to put your interests ahead of their own on every single recommendation they make to you.
Every Expert we refer must also be willing to give you a written Fiduciary Pledge — a signed legal statement confirming that duty to you in writing. If an Expert will not put it in writing, we will not refer you to them. Just ask for it on your call.
Read and download the Fiduciary Pledge