The First 5 Years of Retirement Decide Everything

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If you’ve saved $1M or more for retirement, the first 5 years after you stop working will determine your taxes, income, lifestyle, and financial confidence for decades to come.

In this video, I break down the 7 most important lessons we’ve learned working with high-net-worth retirees who are 10-20 years into retirement, including the 3 critical mistakes that can permanently damage an otherwise strong retirement plan.

Many retirees focus on investment returns, but the biggest regrets rarely come from market performance. They come from decisions made too late around taxes, Social Security, Medicare, spending, and portfolio structure — especially in the first 60 months of retirement.

In this video, you’ll learn:

• Why the first 5 years of retirement matter more than the next 20
• How to front-load life during your healthiest retirement years
• The golden tax window before RMDs begin — and how to use it
• Roth conversion strategies that can save hundreds of thousands in lifetime taxes
• The retirement sequence risk nobody talks about
• How Social Security timing impacts taxes for decades
• Medicare IRMAA traps most retirees don’t see coming
• Why portfolio mistakes early in retirement are the hardest to recover from

I also briefly walk through a summary of a real client case study showing how proper planning in the first five years increased retirement success probability, boosted annual spending, reduced lifetime taxes, and extended long-term confidence.

If you’re nearing retirement — or recently retired — this video will help you avoid costly mistakes and design a plan that protects both your money and your time.

📌 Who This Video Is For

✔️ Pre-retirees age 55–65
✔️ Recently retired families
✔️ $1M+ portfolios
✔️ Engineers, executives, business owners
✔️ Anyone worried about taxes, RMDs, Social Security, or Medicare costs


At The Clark Group Asset Management, we specialize in:
• Retirement income planning
• Portfolio construction
• Roth conversion strategies
• Social Security optimization
• Medicare & IRMAA planning
• Long-term tax minimization
• Portfolio & cash-flow structuring

We work primarily with families who have $1M+ saved and want a retirement plan that’s intentional, tax-efficient, and built for real life — not just market returns.

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