Approaching Retirement

Retirement is not the end of your financial journeyโ€”itโ€™s a major transition that requires planning, precision, and perspective. As you approach this next phase, your focus shifts from accumulation to preservation, income generation, and risk control. Global Advisers helps you move into retirement with clarity and confidence.

Social Security Claiming Planner

Quick Check

We compare after-tax lifetime dollars from starting now vs waiting.

Readiness Score

Scoreโ€”
0โ€“39 = Start โ€ข 40โ€“59 = Borderline โ€ข 60โ€“100 = Wait
Best claim ageโ€”
Based on after-tax lifetime value

Catch-Up Ages

Start 62 vs 67โ€”
Start 67 vs 70โ€”
Age when the later start finally catches up to the earlier start.

Quick facts

  • Before full retirement age, work can temporarily withhold checks; theyโ€™re credited back later.
  • Up to 85% of Social Security may be taxable depending on income.
  • Benefits typically rise each year with cost-of-living adjustments.

Advanced Optimizer

After-tax, COLA-adjusted NPVs with IRS Pub 915 and SSA earnings test.

Your profile

Working before full retirement age

2025 exempt: $23,400 (general), $62,160 (FRA-year)
Optional adjustments
If used, it reduces taxable SS first.
Compares after-tax NPVs for claiming at 62, 65, 67, 70.

Key results

Best NPV (after-tax)โ€”
Catch-up 62 vs 67โ€”
Catch-up 67 vs 70โ€”
First-year monthly @ bestโ€”

Comparison table

Claim age FRA (yrs) Monthly @ start Withheld months pre-FRA Adj. monthly after FRA 1st-yr gross 1st-yr est. tax on SS 1st-yr net Total NPV (to plan age)

Why It Matters

The five to ten years before retirement are among the most financially significant of your life. Decisions made now will directly impact your quality of life for decades to come. From when to claim Social Security to how youโ€™ll draw income from your portfolio, each move requires strategic coordinationโ€”and the stakes are high.

How We Help

Our team works closely with individuals and couples approaching retirement to build and refine a strategy that balances growth, income, and protection:

  • Retirement income planning and withdrawal strategy
  • Social Security and Medicare optimization
  • Pension elections and rollover guidance
  • Risk management and asset reallocation
  • Tax-efficient distribution strategies
  • Long-term care planning and insurance
  • Downsizing, relocating, or real estate transitions
  • Estate plan and beneficiary review

Common Triggers

Weโ€™re often engaged during these key moments:

  • Five to ten years from desired retirement date
  • Receiving a pension or buyout offer
  • Considering early retirement
  • Preparing for Medicare or turning 65
  • Looking to simplify or consolidate accounts

How We Add Value

We bring structure, insight, and discipline to a complex time of lifeโ€”so you donโ€™t have to go it alone. Our clients benefit from:

  • A tailored income and tax strategy
  • Proactive coordination across investments, insurance, and estate matters
  • Support for both the financial and emotional sides of retirement
  • Ongoing updates as markets, laws, and your needs evolve

Making the Next Chapter Your Best Yet

Retirement should be the reward for a lifetime of hard workโ€”not a source of uncertainty. We help you transition into this next chapter with a well-built plan, a trusted partner, and peace of mind.

Get Started

Ready to Begin?

Letโ€™s Talk
800.832.8514

Review Global Advisers with FINRAโ€™s Broker Check