Ready For Retirement

Deciding what to do with your 401(k) at retirement can shape your financial future. Discover the pros and cons of keeping your 401(k) versus rolling it into an IRA. Uncover special IRS rules for penalty-free withdrawals for those aged 55 to 59½. Explore six key factors influencing your decision: cost, control, investment options, and more. Delve into advanced strategies like in-plan Roth conversions and Net Unrealized Appreciation for company stock. Tailoring your approach to fit your retirement timeline and tax strategies is essential!

Wondering if you need a financial advisor? Discover why seeking guidance goes beyond just numbers. Learn how professional advice can save you time and reduce stress. A DIY enthusiast shares transformative benefits they experienced after hiring an advisor. Delve into the emotional value of having a trusted partner for major financial decisions. This discussion emphasizes reclaiming time for personal interests and aligning your finances with your passions.

At 90 years old, will you remember that final bonus or the time you didn’t spend with the people you love? This powerful question reframes how we think about retirement timing beyond the numbers.Yes, financial readiness matters. But delaying retirement for "just one more cycle" or "just one more raise" often leads to a dangerous pattern—constantly moving the goalpost while trading away your most vibrant, healthy years.In this episode, we explore the critical difference between lifespan and healthspan. While many Americans live into their 80s or 90s, our healthiest years typically decline around age 66. Waiting too long to retire may leave you with more money, but fewer active years to travel, hike, or be present with grandchildren.We also unpack the emotional side of retirement: the identity loss many face when stepping away from their career, and how this psychological barrier—paired with strained relationships from decades of overwork—can keep people stuck longer than they should be.Retirement isn't just about having enough money. It's about having enough life left to enjoy it._ Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

A seven-figure portfolio can feel like a green light for retirement—but the numbers don’t always tell the full story. In one case study, a couple with over $1 million saved faced a withdrawal rate close to 14% based on their desired lifestyle. That’s nearly three times higher than what’s typically considered sustainable.This story is a reminder that retirement success isn’t just about hitting a number, it’s about how your money is structured to support your life.A solid plan makes the difference between retiring with confidence and retiring with uncertainty.Let’s help you build the kind of plan that lasts.- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Explore the underrated power of brokerage accounts, which offer incredible flexibility for accessing funds without the penalties of traditional retirement accounts. Learn how these 'superhero accounts' can play a pivotal role in balancing liquidity and tax management. Understand the risks of over-contributing to 401(k)s and the importance of a diversified financial strategy. Delve into the psychological aspects of managing withdrawals and the need for professional advice to optimize your financial journey.

After working with hundreds of people navigating retirement, we’ve seen a clear pattern: the biggest regrets aren’t about money. They’re about meaning.Too often, people retire from something—but never toward something. They solve the financial side without planning for the life side. And that leads to some common regrets:No clear purpose after work: Retirement without direction quickly turns from freedom to restlessness.Neglecting health too long: Wellness is what fuels the retirement you’ve dreamed about—don’t wait to prioritize it.Losing social connection: The workplace offers more structure and belonging than many realize until it’s gone.Expecting retirement to feel like a vacation forever: It won’t. But with intention, it can become a reinvention.Being too afraid to spend: Your money is a tool to live—not something to hoard while life passes by.Don’t wait to think about what really matters. The best retirements are built not just on financial security—but on vision, relationships, health, and joy.Start designing a life you won’t regret.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

The biggest question I hear from people planning for retirement is this: Am I going to run out of money before I run out of life? But here’s the thing, no matter how much you’ve saved, that fear doesn’t automatically go away. In this video, I walk through what the data actually says about your chances of running out of money, where the 4% rule comes from, and why many people end up being far too conservative with their spending.I’ll also share a more flexible way to approach withdrawals so you can protect your future without missing out on the life you want to live right now. This isn’t about guessing or hoping for the best. It’s about building a plan that supports the kind of retirement you’re excited to wake up to.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

What does it really mean to change someone’s life through financial advice? While we’re not saving lives like doctors, the impact we have on our clients’ futures can be just as meaningful. Often, it’s not about the numbers—it’s about helping someone move forward when fear is holding them back.We’ve seen it firsthand. Like the dentist who had every detail in place to open her own practice but couldn’t take the final step. What helped wasn’t another spreadsheet—it was a mindset shift. Or the couple who had more than enough to retire but needed a gentle nudge to believe it was truly okay. These are the moments where great financial advice becomes personal and transformative.At Root, we believe a solid financial plan is about more than projections. It’s about building a life you’re excited to live. That’s why we focus not only on technical guidance, but on walking with our clients through the real-life decisions that matter most.-Viewing this video does not create an advisory relationship with Root Financial. We only provide advisory services to clients under a written agreement.Investment strategies discussed may not be suitable for everyone. All investments involve risk, and past performance is not indicative of future results.Any opinions expressed are as of the date of recording and are subject to change.Comments left on this video reflect the views and opinions of the individual commenters and do not necessarily represent the views of Root Financial Partners, LLC. Comments should not be considered a testimonial or endorsement of our services and have not been solicited or compensated. Root does not verify the accuracy of comments and is not responsible for their content.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

How much do you really need saved to retire comfortably at $10,000 a month? It turns out, the answer is influenced by key factors beyond the typical 4% rule. Discover how Social Security can ease your savings burden and why the choice between Roth and traditional IRAs matters. Learn about withdrawal strategies and the impact of your retirement age on your overall savings. Real planning examples illustrate how to tailor your retirement plan based on your unique needs, whether you aim for $5K or $15K monthly.

Retirement planning isn’t about chasing numbers, it’s about building a life with intention.The Sequoia System helps you get clear on what matters most, organize your finances around that vision, and create a plan that supports the freedom, peace of mind, and purpose you’re truly after.We start with your life vision, translate that into a monthly income goal, and map out your cash flow using a mix of reliable income sources and portfolio withdrawals. Then we align your investments with those needs, optimize for taxes, and protect the plan through insurance and estate strategies, so everything works together to support the life you want to live.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!