Confidently Navigate the Last Stretch Before Retirement
Guidance for the Crucial Years Before You Retire
If you’re in your 50s or early 60s, you’re in one of the most important financial chapters of your life. ICON Financial specializes in financial planning for pre-retirees—helping you protect what you’ve built, maximize your savings, and make every year count as you approach retirement.
This is the window where strategic decisions around Social Security timing, tax efficiency, investment allocation, healthcare planning, and income design can dramatically shape the quality and longevity of your retirement. The right plan now can mean the difference between uncertainty and lasting confidence in the decades ahead.
Key Concerns We Address
- Am I really ready to retire?
We assess your current savings, income sources, and projected expenses—identifying any gaps and proposing concrete steps to close them. - Will a market downturn derail my plans?
Instead of shifting you into low-yield bonds, our approach uses structured notes and RILAs to buffer against losses, helping you guard your nest egg without sacrificing growth. - How do I turn my 401(k) into monthly income?
We develop a customized distribution plan, mapping out which accounts to tap first, how to minimize taxes, and when to start Social Security for optimal cash flow.
A Step-by-Step Plan for Your Transition
- Portfolio Review & Adjustment
Annual reviews help recalibrate your risk and fine-tune your investments for the “home stretch.” - Maximizing Contributions
We guide you on catch-up contributions and the best use of your 401(k), IRA, and HSA in these final years. - Income Strategy
We create a pre-retirement investment strategy that moves beyond bonds—helping you secure stable, tax-efficient income streams. - Timing Key Decisions
Get support with Social Security, pension options, and planning for healthcare or long-term care costs. - Education & Check-Ins
You’ll receive ongoing updates and support—so your plan evolves as your life and the market do.
Pre-Retirement Planning: Answers to Common Questions
How should I prepare financially 5 years before retirement?
Review your savings, max out catch-up contributions, and work with an advisor to assess risk and optimize your investments.
What should pre-retirees do with their 401(k)?
We help you evaluate options—whether to stay, roll over, or draw from it—to maximize control and minimize taxes.
Do I need a financial advisor if I’m 55 and retiring soon?
The final years before retirement are critical; an advisor can help ensure your plan is sound, protected from big surprises, and aligned with your goals.
Ready to Step Into Retirement With Confidence?
Let’s make your last years before retirement your most secure and strategic yet. Schedule your Pre-Retirement Checkup and get clarity on your next moves.
