Much like turning 16, 18, 21, 30 or 50, celebrating your 65th birthday is a big milestone. It can also mean seriously thinking about one of life’s biggest transitions: retirement. You’ve worked hard to build your savings, and now it’s time to plan so the money you have set aside can support the lifestyle you’ve envisioned. The decisions you make in the years leading up to retirement — when to claim Social Security, how to navigate Medicare, and how to prepare for healthcare expenses — can have a lasting impact on your financial well-being.

My team and I specialize in guiding clients through these critical choices with clarity, confidence, and care. Our goal is simple: to help you enjoy retirement without worrying whether your money will last.

Claiming Social Security at the Right Time

One of the most important decisions you’ll make is when to claim Social Security benefits. The difference between claiming early, waiting until full retirement age, or delaying until age 70 can potentially mean thousands of dollars over a lifetime. We’ll analyze your unique situation — your health, income needs, family considerations, and long-term goals — to help you determine the optimal strategy.

Understanding Medicare and Healthcare Costs

Healthcare is often one of the largest expenses in retirement. Medicare provides valuable coverage, but it comes with choices that can be confusing. From Parts A, B, and D, to Medigap and Medicare Advantage plans, we’ll walk you through your options so you can feel confident you’re making the right decisions. Just as importantly, we’ll help you plan for out-of-pocket costs, long-term care, and other health-related expenses that could affect your retirement savings.

Building a Retirement Income Plan

Retirement is about turning your savings into income you can depend on. We’ll work with you to create a comprehensive plan that balances your retirement accounts, pensions, Social Security benefits, and other assets in a tax-efficient way. Our goal is for you to have steady income for your essential needs, while giving you the flexibility to enjoy life’s opportunities — travel, family, hobbies — without unnecessary stress about money.

Why Work with Us

We believe retirement planning is more than numbers. It’s about understanding your priorities, values, and vision for the next chapter of life. With your experience and a personalized approach, we’ll help you navigate the complexities of retirement so you can focus on what matters most: enjoying the years ahead by doing what’s important to you with the people you love.

Take the Next Step

The best time to start preparing is now. Whether you’re a few years away from retirement or ready to transition today, my team and I are here to guide you every step of the way.

Contact me today to schedule a conversation about your retirement strategy. Let’s work to help you live your retirement with confidence.

_{Wells Fargo & Company and its affiliates do not provide tax or legal advice. This communication cannot be relied upon to avoid tax penalties. Please consult your tax and legal advisors to determine how this information may apply to your own situation. Whether any planned tax result is realized by you depends on the specific facts of your own situation at the time your tax return is filed.}