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Retiring at Your 70s (and Beyond): Managing Retirement

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Protect and Optimize the Retirement You've Built

Your 70s is the time to truly savor the lifestyle you've diligently planned and worked for. You’ve either successfully transitioned into retirement or you’re fully immersed in this fulfilling chapter of your life. While the focus shifts to enjoyment, it's also a crucial period for strategically managing your hard-earned savings, income streams and investment strategy to adapt to evolving market conditions and personal needs.

Download the Retirement Readiness Guide to help you optimize your retirement finances, minimize tax liabilities and confidently ensure your wealth supports you throughout your golden years.  

 

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Topics That Matter to You Today

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  • If you’re born before 1951: RMDs began at age 70½.
  • If you’re born between 1951-1959: RMDs begin at age 73.
  • If you’re born 1960 or later: RMDs begin at age 75.

Yes, 70 is the maximum age for benefits. While you can delay claiming past 70, your benefit amount will not increase further. 

In your 70s, your investment strategy should evolve to prioritize capital preservation and income generation over aggressive growth. You should meet annually with your advisor to review your portfolio and ensure the current allocations match your risk tolerance and needs and if any adjustments need to be made.

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Joe Maier

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