Whether it's your choice or the decision was made for you, early retirement changes the math: Social Security timing, healthcare before Medicare, pension elections, and how long your portfolio needs to last. Checkpoint Planning helps you pressure-test the plan before you commit.
The Early Retirement Checkpoint Guide: key decisions on income, healthcare, and timing before you retire. Plus an invitation to a free Where We Begin session.
Your information is confidential and never sold. No obligation.
Retiring before traditional retirement age means solving problems the standard playbook doesn't cover.
COBRA, marketplace coverage, or a spouse's plan, bridging the gap until Medicare eligibility at 65.
When to claim, and how retiring early changes the tradeoffs between claiming early, at full retirement age, or later.
Lump sum vs. annuity, survivor benefit options: decisions that are usually permanent once made.
A "what if" retirement readiness projection that accounts for a longer retirement than you originally planned for.
Sequencing withdrawals and Roth conversions in the years before RMDs begin.
Whether to consolidate, roll over, or leave accounts where they are, and the tax impact of each choice.
A short, practical guide to the healthcare, Social Security, pension, and portfolio decisions that come with retiring earlier than the standard timeline.
Free 45-minute clarity session. No cost, no obligation.
Stabilize health coverage, benefits, and income sources.
Retirement income projections and 30-, 90-, 180-day milestones.
Pension elections, Social Security filing, portfolio restructuring.
Annual reviews as markets and your life evolve.
Scott is a CRPC™, Chartered Retirement Planning Counselor, who specializes in helping people navigate the financial decisions of early retirement. As a fiduciary, he's legally required to act in your best interest.
"One checkpoint at a time."
Based in Orange County, California, serving clients across the United States via video conference and the Checkpoint Planning Client Portal.
No, the earlier we run the numbers, the more options you have. The free guide and a Where We Begin session can help you pressure-test a timeline before you commit to it.
Yes. Social Security timing strategy is part of every retirement engagement, alongside pension elections and RMD planning.
Many clients arrive here after a layoff or buyout accelerated a retirement they hadn't fully planned for. We build the plan around your real timeline, not the one you expected.
Yes, comparing COBRA, marketplace plans, and other options is part of the Identify & Protect phase.
Get the free guide, then schedule your complimentary Where We Begin session whenever you're ready to talk it through.
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