$4M vs $3M in Retirement: Here’s What Changes

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Client case studies are adapted from actual financial plans and/or scenarios but have been modified for clarity and simplicity. These illustrations are intended for educational and entertainment purposes only and should not be relied upon for personal decision making. Each plan is developed using specific client conversations, assumptions, and planning inputs that are not fully detailed in these videos. Please consult your own financial, tax, and legal advisors before making any financial decisions.

This does not constitute an investment recommendation. Investing involves risk. Past performance is no guarantee of future results. Consult your financial advisor for what is appropriate for you.

0:00 – $3M or $4M?
1:49 – Retirement Expenses
3:11 – Dynamic Guardrails
4:37 – Social Security
6:41 – Tax Strategy
9:37 – Retire or Wait?
10:11 – Waiting Benefits
12:31 – Investment Strategy
13:17 – Building War Chest
15:04 – Final Decision