As you move closer to 65, the decisions ahead become more immediate. Whether you plan to retire soon or continue working, now is the time to turn planning into action.

Use these years to understand your healthcare and Medicare options, make important Social Security decisions, and address any remaining gaps. This is also the time to begin shifting part of your focus from growing your retirement savings to protecting the income it may need to provide. Once employment income stops, your retirement nest egg may become a primary source of income, making it important to consider how an unexpected market downturn could affect your plans.

Focus on: retirement timing • healthcare before 65 • Medicare preparation • Social Security • retirement income & protection • market risk • long-term care • estate planning • spouse & family healthcare

Goal: Enter 65 prepared, not scrambling. Understand the decisions ahead, protect what you’ve worked to build, and put a strategy in place that helps you approach your next chapter with clarity and confidence.