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What Would Change if You Retired Next Year Instead of Four Years From Now?

Retiring sooner changes more than the date on the calendar. Work income ends earlier. Retirement withdrawals may begin sooner. You may also need health coverage before Medicare.Same four-year horizonTodayYear 1Years 2–3Year 4Retire next yearPaycheck and saving continuePaycheck ends.

What Does Retirement Planning Help You Decide and Do?

Your accounts, benefits, and tax information are inputs to the plan. Planning uses that information to analyze choices and develop recommendations. It also includes implementation and ongoing monitoring.

Why Does Dovetail Begin With the Person?

Two people can have similar finances and ask the same question. The recommendation may still differ because the decision serves a different purpose in each life.We first learn what prompted the question and what you want the financial decision to accomplish. Then we analyze the choices and explain the consequences of each.You remain responsible for the decision.

What Happens When Something Important Changes?

A plan is built with the information available at the time. It cannot predict every change in your life or priorities. Markets and laws can change too. Ongoing planning helps determine whether a new fact requires action.1. Tell us what changed.2. We identify what it affects.3. We explain whether the plan needs an adjustment.4. We help carry out any agreed change.A review can focus on the affected part of the plan.

What Do You Want Your Resources to Make Possible?

You may want to travel while your health permits. You may want to help family or make a gift to a cause you value. You may also want to protect future income and prepare for care.The financial plan should account for those priorities and the tradeoffs among them. Dovetail provides the analysis and recommendations. You decide how your resources should support your life.Start With a Conversation