Two lives. Two timelines.
One plan that works for both of you.
When it comes to retirement, most couples discover the same thing: you rarely retire at the same time or for the same reasons. Maybe one of you is ready to slow down while the other wants to keep working. Maybe you have different savings levels, Social Security timelines, or ideas about what retirement looks like.
At Freedom Financial Planning Solutions, we help you create a retirement strategy that works for both people—individually and as a team. Because when you’re not on the same page, the rest of the plan gets harder.
What We Help You Figure Out:
Do we have to retire at the same time?
Not at all. We help you coordinate different retirement dates so your finances stay aligned—even if your timelines don’t.
What’s the best way to structure our income as a couple?
We look at your combined income sources and build a plan that supports both of you—balancing monthly cash flow, taxes, and long-term sustainability.
How do we handle taxes as a married couple in retirement?
We help you plan around filing status, income thresholds, and potential Medicare premium brackets—so you can avoid surprises and stay tax-aware as a household.
Should we claim Social Security at the same time?
Often, staggering your benefits leads to better outcomes. We’ll run the numbers and help you decide what works best for your situation and goals.
How do we plan for one of us outliving the other?
We factor in survivor income, healthcare costs, and long-term support—so your plan protects both of you, even if life doesn’t go according to plan
our ongoing process
Planning Together, With Room for Individual Needs
01
Talk Through Your Goals as a Couple
We start with open-ended questions and real conversations about what you both want from retirement.
02
Review What You Have
We organize your combined income sources, savings, and timelines to see the full picture.
03
Build a Plan That Supports You Both
We create a flexible strategy that supports shared goals while respecting your individual paths.
04
Keep the Conversations Going
We revisit and revise the plan together—because retirement is a journey, not a deadline.