3 Pension Mistakes at 55 You'll Regret at 62

Описание: You're 55. You're close to retirement. You start making "safe" decisions. By 62, you realize those decisions cost you $350,000+.

The 3 mistakes almost every retiree makes:

MISTAKE #1: Getting too conservative with long-term money (0:00 - 8:45)
You move everything to bonds/cash at 55 thinking "protect what I built"
That $200K you won't touch for 25 years? Should be growing at 8%, not sitting at 3%
Real cost: $950K in lost growth over 25 years
Even after a 40% market crash, aggressive investing beats "safe" by $342K

MISTAKE #2: Missing the low-income window (8:45 - 18:30)
Ages 55-62 = lowest income years of your life (if you plan it right)
Nobody tracking income for Medicare until 63
Real client examples:
Couple, age 58-60, income $80K, paid $4,200 taxes (5.25% rate)
Couple, age 61-63, income $120K, paid $11,800 taxes (9.8% rate)
At 65+, same income = 22-25% tax rate
Roth conversions at 10% today vs 25% later = $200K+ lifetime savings
Once you hit 63, Medicare IRMAA tracking starts = window slams shut forever

MISTAKE #3: Spending your best money first (18:30 - 27:15)
You retire at 55, pull Roth contributions (tax-free, penalty-free)
Seems smart, actually devastating
Rule of 55: Pull from 401k penalty-free if you separate from service at 55+
Real math: Spending $120K from Roth early costs you $247K by age 75
Roth = most valuable money you own (tax-free forever)
Most people drain it first, regret it at 62

THE CRITICAL WINDOW: 55 to 62 (27:15 - 32:00)
Only time you have complete control over income
No RMDs yet, no Social Security yet, no Medicare tracking yet
Do Roth conversions at historically low rates
Harvest capital gains at 0% tax
Position yourself for lower Medicare premiums
Set up tax-free income for life
Window closes at 63 - you can't go back

THE ONE QUESTION (32:00 - end):
Does your current tax rate feel like a good deal?
Paying 10% now vs 25% later = do Roth conversions
Paying 15% now vs 22% later = fill those brackets
If it feels like a good deal, act on it before 63

This isn't theory. These are real client examples. Real tax returns. Real regrets from people who waited too long.

Ages 55-62 determine whether retirement is flexible and tax-efficient or trapped in high brackets with massive RMDs.

Subscribe for retirement strategies that actually save you hundreds of thousands in taxes.