Retiring early isn’t just about the money — it’s about the freedom to explore the world on your terms. If you and your partner dream of spending retirement on cruises, international getaways, and bucket-list adventures, this guide is for you. We answer the most common questions about turning your nest egg into tax-smart, travel-ready income — so you can focus less on market moves and more on making memories.

Q: We’ve saved over $1 million in 401(k)s and IRAs. What should we do before we retire?

A: Before you take the leap, it’s important to know how you’ll take money out. We’ll help you create a smart withdrawal plan so you know which accounts to use first, how to lower your taxes, and when to start Social Security.

Q: Should we think about Roth conversions now?

A: Probably. If you're retired but not yet 73, you may have a prime window to convert. Doing it early can lower your taxes later — especially if one spouse outlives the other.

Q: We’re nervous about the market. How do we create income we can count on?

A: We don’t try to time the market. Instead, we build income plans using smart withdrawal strategies, steady cash flow, and a mix of investments so you can travel and enjoy life — even if the market dips.

Q: Travel is a big part of our retirement dreams. Can we afford it?

A: Yes — as long as your plan supports it. We help couples front-load their travel years while still keeping your long-term goals secure. You worked hard — now it’s time to explore.

Q: Should we find someone local, or is virtual better?

A: Many couples are choosing virtual advisors who specialize in retirement. With Factor Financial, you get expert tax planning and a personal advisor — without having to leave your home.

Want to See If You’re on Track?

If you’re 1–5 years from retirement and want to turn your savings into freedom, let’s talk. We’ll help you retire with clarity, confidence, and a passport in hand. Just Book a Call with Factor Financial