Align your investment strategy with decumulation needs

Don’t underestimate lifestyle inflation post-retirement

Evaluate whether part-time work will be part of your plan

Avoid depending solely on Social Security

Map your retirement budget with today’s dollars

Invest according to your stage in the retirement timeline

Consider downsizing as a financial strategy—not just a move

Roth conversions can reduce taxes later in retirement

Use annuities to stabilize unpredictable income

Determine your safe withdrawal rate based on real needs

Avoid early withdrawals to protect long-term goals

Prioritize tax-advantaged accounts when building wealth

Create multiple income streams to reduce reliance on one source

Plan for healthcare costs rising faster than inflation

Use retirement calculators with conservative assumptions

Know your desired lifestyle before setting a retirement number

Start saving early—even small amounts compound