Financial Planning for Pre-Retirees

Plan With Confidence

You’re getting close—now’s the time to make sure the pieces fit.

Retirement is no longer some distant idea. It’s on the horizon—and with it comes a wave of questions about timing, taxes, income, healthcare, and lifestyle. At Freedom Financial Planning Solutions, we help individuals and couples in their 50s and early 60s build clarity and confidence around what comes next. Whether you're five years out or just starting to think about slowing down, we’ll walk you through the decisions that matter most right now—and how they all connect.

Start with a Free Planning Call

Questions We Help You Answer

  • When should I take Social Security?

    Early, full retirement age, or delay to 70? We break it down with you and your spouse in mind to determine strategies that best fit your goals.

  • Should I do a Roth conversion now—or wait?

    Roth conversions are a powerful tool for reducing lifetime taxes. If you have a deferred retirement account, you will have to pay ordinary income tax on it when you withdraw funds. Let's examine the options and strategies that can reduce lifetime taxes, provide you and your heirs with tax-free income, and minimize your Required Minimum Distributions (RMDs).

  • How much can I safely spend in retirement?

    Knowing what you can spend in retirement goes a long way to giving you peace of mind and confidence that you will not run out of funds. We work with you to determine what your retirement "paycheck" looks like, factoring in your basic needs, as well as the things you want to do, such as travel, purchases, and even long-term care.

  • What happens if I retire before Medicare kicks in?

    Managing your retirement involves balancing all sources of income and investments to ensure financial stability for the years ahead. Whether you’re structuring your withdrawals or planning for unexpected expenses, we help you develop a strategy that supports your lifestyle.

  • How do I time everything with my spouse’s plan?

    The best time to start planning is now—whether retirement is years away or just around the corner. The sooner you begin, the more options you’ll have to build a plan that works for you. 

  • What about RMDs, pensions, and 401(k) accounts?

    We’ll help you organize, simplify, and create a plan that works year by year that offers stability regardless of market fluctuations.

Take the First Step

You’re Not Alone—and You Don’t Have to Wing It

At Freedom Financial Planning Solutions, we don’t push products or hand you off to a team. You’ll work directly with Steve Underriter, a solo advisor who listens first and builds a plan around your real life. Whether you’re looking for guidance on Social Security timing, tax strategies, or how to turn your savings into a steady retirement income, we’ll help you connect the dots.