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Early Retirement Planning

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Retire On Your Terms

Not on a traditional timeline.

Early retirement requires more than just accumulated wealth — it demands careful planning around healthcare, taxes, longevity and sustainable withdrawal rates. Download the Retirement Readiness Guide to understand what you need to know and what to ask yourself an early retirement.

 

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Guidance That Fits Your Life Today

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If you leave your employer in or after the year you turn 55, you can access that employer's 401(k) penalty-free (doesn't apply to IRAs). This rule is useful for those retiring between the ages of 55-59.

For early retirees, the HSA is the only account where you can pay for health insurance premiums (specifically COBRA or LTC) and out-of-pocket costs with tax-free dollars. If you retire at 50, you can pay for all qualified medical expenses from an HSA, effectively keeping your taxable income lower to qualify for higher ACA subsidies.

The “Roth Conversion Ladder” is a strategy to access 401(k) funds in 5 years. You roll over traditional 401(k) funds to a Roth IRA and pay taxes on the conversion today. After a 5-year waiting period, those converted funds (the principal) can be withdrawn tax-free and penalty-free, regardless of your age.

Conversations That Speak to Where You're At

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Your Retirement Timeline

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