Client story
51 and 49, two teenagers, $380k saved, no pension.
Before · 79With a plan · 96
5075100
Money lasts 17 years longerThe three moves
- ✓Moved $1.1k a month to tax-free
- ✓Retire at 63, not 60
- ✓Sold the rental, bought an annuity slice
“We thought we had left it too late. We hadn't — we just needed the order right.”
Mark and Julia came to us after a birthday that ended in a spreadsheet and an argument.
Where they started
Two incomes, two teenagers, $380k spread over six accounts and a rental flat that barely broke even. No pension on either side.
What we changed
- $1,100 a month moved from the brokerage account into Roth accounts
- A retirement date of 63 instead of 60 — three years that changed everything
- The rental sold and part of it turned into a guaranteed income slice
The plan fits on one page and we read it together every quarter.
Where they are now
The plan now lasts to 96 instead of 79, and college is paid without touching retirement money.