Shotwell Rutter Baer Financial Planners

The Final Five Years Matter

The final five years before retirement can be some of the most important.

This is often when Michigan State University employees begin evaluating:

• Retirement timing
• Healthcare coverage
• Social Security strategies
• Roth conversion opportunities
• Income planning

Small decisions during this period can have a lasting impact.

Download Your Free MSU Faculty and Staff Retirement Guide:
https://srbadvisors.com/your-msu-retirement-benefits/

Is Travel Insurance Really Worth It?

Is travel insurance worth the extra cost? Kim Barber from shares real stories of travelers who avoided thousands of dollars in unexpected expenses because they were properly covered. Before your next trip, this is something you'll want to consider.

Watch the full episode here: https://srbadvisors.com/s5e15-retirement-travel-planning-tips-with-travel-expert-kim-barber/

The investment strategy that got you to retirement isn't always the one that gets you through retirement.

As you transition from saving to spending, your portfolio often needs to evolve.

That doesn't mean eliminating growth. It means creating the right balance between:
✔ Income
✔ Stability
✔ Flexibility
✔ Long-term growth
✔ Protection during market downturns

Your retirement portfolio should reflect your goals, your comfort with risk, and the income you'll need throughout retirement.

Watch the full episode here:
https://srbadvisors.com/s5e14-retirement-questions-everyone-asks-before-leaving-work/

Saving for retirement is only half the journey.

The next challenge is figuring out how to turn those savings into a reliable paycheck.

It's more than just deciding how much to withdraw each month. You'll also want to consider:
✔ Which accounts to withdraw from first
✔ How taxes affect your income
✔ Investment strategy during retirement
✔ Safe withdrawal rates
✔ Creating income that can last for decades

The right withdrawal strategy can make a significant difference in how long your retirement savings last.

Watch the full episode here:
https://srbadvisors.com/s5e14-retirement-questions-everyone-asks-before-leaving-work/

How much will healthcare cost in retirement?

For many people, it's one of the biggest unknowns when planning for retirement.

The reality?

Some people assume it will cost far more than it actually will. Others don't budget nearly enough.

Your costs can depend on:
✔ Whether you retire before age 65
✔ When Medicare begins
✔ Employer retiree health benefits
✔ The amount of coverage you choose
✔ Your overall health and risk tolerance

The good news is that with proper planning, healthcare costs don't have to derail your retirement.

Watch the full episode here:
https://srbadvisors.com/s5e14-retirement-questions-everyone-asks-before-leaving-work/