🏖️ Retirement Starter Kit

What's Inside the Kit

• Retirement Budget Planning — Income inventory, spending plan, gap analysis, three-phase spending model, and tax planning strategies
• Social Security Optimization — Claiming strategies, spousal strategies, working-while-collecting rules, and a decision framework worth $100,000+ over a lifetime
• Medicare & Health Insurance — Parts A through D explained, Original Medicare vs. Advantage decision framework, Medigap guide, enrollment timeline, and pre-65 bridge options
• The Downsizing Decision — Honest assessment scorecard, financial analysis worksheet, housing options, emotional transition tips, and a complete moving checklist
• Estate Planning Basics — Essential documents, beneficiary review checklist, the family conversation guide, and a master document locator
• Staying Active & Purposeful — Purpose audit, weekly structure template, fitness plans, lifelong learning ideas, volunteering resources, and the "Third Place" concept
• Managing the Emotional Transition — Why retirement is harder than expected, the emotional timeline, relationship navigation, and the identity worksheet

Who This Is For

Whether you're five years out, five months out, or already adjusting to life without a morning commute — this guide covers every dimension of the retirement transition: financial, practical, emotional, and personal.

This isn't generic "save more money" advice. It's a working guide with real frameworks, fillable checklists, and decision tools you can use today. Written like advice from someone who's done the research so you don't have to.

Free Preview: The Social Security Math

The difference between a smart Social Security claiming strategy and a default one can be $100,000+ over a lifetime.

For someone with a Full Retirement Age benefit of $2,000/month: claiming at 62 gets you $1,400/month, while waiting until 70 gets you $2,480/month. The breakeven point is around age 78-80. Live past 80, and delaying was the right call.

The full kit includes claiming decision frameworks, spousal strategies, divorced and widowed benefit rules, and working-while-collecting guidelines.

This is just a taste. The full kit has 7 chapters, an appendix with a retirement countdown timeline, checklists, and decision frameworks.