A plain-English checklist that shows you where you stand — and what to think through next. Free. Takes 5 minutes.
No spam. No sales pitch. This checklist is for educational purposes only — not personalized advice.
I've been saving for 30 years. But I have no idea if it's actually enough.
There's a moment — usually somewhere between 50 and 60 — when the game changes. You stop asking "Am I saving enough?" and start asking "How do I actually live on this?"
It's the shift from saving mode to income mode. And most people haven't thought through how their savings turn into monthly income.
Social Security timing. Medicare enrollment. Tax bracket management. Drawdown strategy. It's a completely different game than the one you've been playing for three decades.
And most people are figuring it out as they go — making decisions worth tens of thousands of dollars based on what they heard from a coworker or read in a Facebook comment.
The five questions in this checklist are the ones that separate people who retire confidently from people who spend their first five years second-guessing every decision.
Do you know how much monthly income your savings will actually generate? Most people have a number in their head. Most of the time, it's wrong.
The difference between claiming at 62 vs. 67 vs. 70 can be six figures over your lifetime. This section helps you think through the trade-offs.
Miss the window and you'll pay more. Forever. This covers the key dates and decisions you need to get right.
The decisions you make in the first 5 years of retirement shape your tax bill for decades. Roth conversions, withdrawal sequencing, and bracket-filling strategies matter more than most people realize.
How to turn a pile of savings into reliable monthly cash you can count on — without running out or leaving too much on the table.
I'm Austin Harley — a financial advisor in Mount Pleasant, SC. I help people in the Lowcountry build retirement plans they can actually count on. Not the "set it and forget it" kind. The kind where you know your family is taken care of, no matter what.
This checklist is the same framework I use with my clients. It takes 5 minutes and it'll show you exactly where to focus.
Five questions. Five minutes. You'll know exactly where you stand — and what to focus on next.
No spam. No sales pitch. Educational only — not personalized financial advice.