You spent your life doing what most people won’t.
You showed up early. Stayed late. Made smart decisions and built a life with intention.
Now, you’re standing on the edge of retirement—and it should feel like freedom.
But for many successful professionals, this next chapter comes with a heavy question:
“Did I do enough to make this last?”
The Pressure of Retiring “Right”
You’ve likely built a solid nest egg. Maybe you’ve worked with a financial advisor before—or maybe you’ve been managing it on your own until now.
But retirement is a different game.
And without the right plan in place, the risks start to multiply:
- Drawing too much too soon and outliving your assets
- Overpaying in taxes due to poor withdrawal sequencing
- Making emotional investment decisions in volatile markets
- Failing to align income, healthcare, and estate plans with your real lifestyle goals
Retirement isn’t just about having enough—it’s about knowing what to do with what you’ve built.
What Happens When You Don’t Adjust
We often think that people who reach this stage—who’ve saved diligently, invested consistently, and built strong careers—are immune to financial missteps in retirement.
But the truth?
Retirement is a new terrain. And even the most organized professionals can miss critical details without a guide.
We’ve seen it firsthand:
- A former executive who delayed RMD planning, assuming it was years away—only to trigger unnecessary penalties and bump herself into a higher Medicare bracket.
- A couple who thought they were being conservative by shifting everything into bonds after retirement. But they didn’t account for inflation or the sequence of returns—and now they’re struggling to make their income last.
- A widowed spouse who inherited multiple accounts, unaware of the complex tax implications. A few wrong withdrawals, and tens of thousands were lost to taxes that could have been avoided.
None of these clients were careless.
They were smart, responsible, and used to being in control.
But in retirement, the questions get more nuanced—and the consequences more permanent. The margin for error gets notably smaller.
This isn’t about knowing “more.”
It’s about knowing what questions to ask, which moves to make, and how to align all the pieces to support a future you’ve worked decades to earn.
- One couple we met had strong savings but no withdrawal strategy. They triggered a six-figure tax bill by pulling from the wrong accounts too early.
- Another client kept their entire portfolio in ultra-conservative investments out of fear—unintentionally locking in inflation risk that could shrink their income over time.
- A third delayed claiming Social Security without understanding how spousal benefits worked—and left tens of thousands on the table.
These weren’t reckless people. They were smart, accomplished individuals who simply didn’t know what they didn’t know.
A Retirement Plan That Works as Hard as You Did
At Caviness Wealth Management, I help professionals transition into retirement with confidence and clarity.
And that doesn’t just mean building a diversified portfolio.
It means creating a plan that supports your entire life—not just your investment account.
Because retirement isn’t a one-time event. It’s a living, breathing chapter of your life—one that will evolve as your priorities shift, your family grows, or your health changes.
Here’s what that looks like:
- We map out a sustainable income plan so you know exactly where your next “paycheck” is coming from—and how long it will last.
- We proactively manage taxes, so your money works harder for you, not Uncle Sam.
- We align your healthcare, long-term care, and legacy goals so your loved ones are protected.
- And we leave room for life: spontaneous travel, helping your kids, saying “yes” to the things that matter most.
This is about more than financial security.
It’s about freedom—the freedom to enjoy what you’ve built, without second-guessing every dollar.
When you work with me, you’re not just getting a financial advisor.
You’re gaining a steady hand. A thinking partner. Someone who helps you make smart decisions and feel good about them.
You’ve Earned This. Don’t Spend Retirement Second-Guessing It.
The truth is, most people spend more time planning their vacations than they do planning their retirement.
But you’re not most people.
You’ve always done what it takes to create a good life. Let’s make sure your retirement reflects the effort, the values, and the vision that got you here.
Ready to Retire without the Second-Guessing?
Let’s make a plan that helps your money work as hard for you as you did for it.
Schedule a call with me today to see how we can help.
Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
Caviness Wealth Management and LPL Financial do not provide legal or tax advice. Please consult with your tax or legal advisor regarding your personal situation.