"I've saved my whole life... now what?"
Sarah, age 60, had spent decades saving into her 401(k). After her ex-husband passed, she began receiving a survivor Social Security check, but she wasn’t sure how everything fit together or what her next steps should be.
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Her biggest fear matched the quote above:
“I’ve saved my whole life… now what?”
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As we walked through her situation together, one thing became clear:
She had plenty saved, but most of it was in pre-tax accounts, which meant her future required withdrawals in her 70s were going to be large — and could create higher taxes later in life.
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To help her stay ahead of that, we created a simple plan to slowly move some of her 401(k) money into a tax-free account over time. By doing a little each year, she stayed within her current tax bracket, avoided surprises later on, and built more flexibility into her future.
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Now, Sarah spends her time traveling, being with friends, and enjoying the retirement she worked so hard for — knowing her income is steady, her taxes are under control, and her long-term plan is being watched closely