Can You Retire at 65 With $1.5 Million? Real Case Study (Social Security + Taxes)

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Can you retire at age 65 with $1.5 million and safely spend $8,500 per month without running out of money?

In this video, we walk through a detailed retirement case study for Bill and Susie, a hypothetical couple both age 65, to determine whether they can retire now—and how to structure their withdrawals, Social Security claiming strategy, and tax planning to maximize long-term success.

You’ll learn:
How portfolio withdrawals are coordinated with Social Security
Why delaying Social Security (especially to age 70) can significantly improve lifetime income
How survivor benefits factor into retirement security
How historical stress testing shows a 99% success rate
Why Required Minimum Distributions (RMDs) can create tax problems later
How proactive Roth conversions can reduce lifetime taxes by over $800,000

This video is ideal for retirees or near-retirees who want to understand how income planning, risk analysis, and tax strategy work together in a real-world retirement plan.

Important: This example is for educational purposes only and uses hypothetical assumptions. Results are not guaranteed.

00:00 Intro: Retirement Case Study Overview
00:40 Client Snapshot: Bill & Susie at Age 65
01:29 Retirement Goal: $8,500 Per Month
01:57 Can They Retire Now?
02:11 Cash Flow Planning Explained
02:27 Social Security Timing Strategy
02:55 Why Bill Delays Social Security to Age 70
03:30 Survivor Benefits Explained
04:09 Portfolio Withdrawals Before Social Security
04:40 Withdrawal Rate Risk Discussion
05:18 Historical Stress Test Results
05:55 99% Probability of Success Explained
06:11 Could They Spend More?
06:52 Legacy & End-of-Life Projections
07:45 Why Withdrawals Increase Over Time
08:05 Required Minimum Distributions (RMDs)
08:43 Tax Planning Opportunities
09:23 Comparing Withdrawal Tax Strategies
09:49 Roth Conversions to the 12% Bracket
10:38 How Roth Conversions Save $800,000+
11:13 Long-Term Tax Strategy Review
11:49 Final Verdict: Are They Retirement-Ready?

Retirement Advice, headquartered in Mapleton, Utah, is a fee-only financial planning firm that equips individuals with the knowledge, tools, and wisdom needed to retire on their terms confidently. Their holistic approach is rooted in transparency, open collaboration, and a client-first mindset. They can be reached by phone at (801) 228-0103, via email at [email protected], or on the web at earlyretirementadvice.com.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

The information contained above is for illustrative, educational, and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon. You should consult your attorney or tax advisor.

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