Capital B Advisory
Retirement is close, no plan
You've saved. Nobody has told you whether it's enough, or how a pile of savings turns into a monthly paycheck.
The situation
Saving isn't
the same as
planning.
Plenty of people do the responsible thing for decades — contribute, take the match, avoid anything stupid — and still have no idea whether they'll be alright.
Saving is putting money aside. Planning is comparing what you'll have against what you'll actually spend, early enough that the answer can still change.
That's the uncomfortable part: this gets harder to fix the longer it goes unasked. Fifteen years out there are many levers. Two years out there are few.
What we'd look at
Four things,
in order.
What you'll really spend
Not a rule of thumb about replacing a percentage of income. What your life costs, adjusted for what changes when work stops.
What you have, and where
Across every account, including the ones you stopped opening statements for. Account type matters as much as the balance.
What else is coming
Social Security timing, a pension, rental income, a business sale. When each starts moves the picture considerably.
The gap, if there is one
And the honest options: save more, work a bit longer, spend less later, or change how it's invested. Usually some combination.
What it costs
You don't have
to hand over
the portfolio.
A retirement check is often an hourly engagement at $125, or the one-time $485 plan if you want the whole thing built and written down.
Ongoing management exists if you'd like someone watching it from here, but it isn't the assumption and you won't be pushed toward it.
No projection is a guarantee. Investing involves risk including the possible loss of principal, and no strategy assures a profit or protects against loss.
Next step
Twenty minutes.
No cost.
Nothing to prepare and nothing to bring. If I'm not the right fit, I'll tell you on the call.