In this episode, we walk through a retirement planning scenario involving a couple in their early 60s with a $4 million investment portfolio. Their financial plan reveals something surprising: they may not need to wait until 65 to retire. Instead, thoughtful planning opens the door to retiring earlier—without compromising the lifestyle they value.
What we cover:• A breakdown of how a $4 million portfolio can support early retirement• Income sources, spending needs, and sustainable withdrawal strategies• The impact of delaying Social Security to age 70 on long-term portfolio health• How adjusting travel or discretionary expenses affects financial longevity• Why the right financial plan is less about hitting a number—and more about designing a life
Whether you're working toward financial independence or already approaching retirement, this episode offers insight into how personalized planning can unlock real flexibility—regardless of your portfolio size.
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