1) Set Your Retirement Goals
– When do you want to retire?
– What kind of lifestyle do you want in retirement?
“Comfortable” means something different for everyone. Start with your vision.
2) Know Your Savings Target
– Estimate what you’ll need using retirement calculators
– Don’t forget rising healthcare costs and inflation
A target gives your plan direction—not just a number.
3) Align Your Investments
– Balance risk and reward as you get closer to retirement
– Make sure your investments match your time horizon
What worked in your 40s may not serve you in your 60s.
4) Minimize Fees & Taxes
– Review management fees — even 1% adds up
– Build a tax-smart withdrawal strategy
Small leaks can sink a big ship. Plug them early.
5) Plan Your Retirement
– Know when and how to take Social Security
– Add up passive income sources like annuities or pensions
Retirement isn’t a finish line—it’s a cash flow puzzle.
6) Work with a Trusted Advisor
– An independent fiduciary ties it all together: strategy, taxes, income = your best interests
– You stay focused on life — not spreadsheets
You’ve earned your peace of mind. We help protect it.
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*Content is for informational purposes only. Neither the information nor any opinion expressed in this content constitutes an offer by Cottonwood Wealth Strategies to buy or sell any securities or financial instruments, or to provide any investment advice or service.