Strategies for retiring on time with fewer avoidable surprises.

Three commonly overlooked levers for VP-level leaders. Missing one could push back your retirement plans.

• Lever 01
  The Rule of 55
  Access your 401(k) at 55 — potentially without an early withdrawal penalty and with flexible year-by-year withdrawals. Rolling to an IRA may eliminate this option. Eligibility and plan rules apply
• Lever 02
  Concentration Risk
  A 20% drop on a $2M position would represent a $400K reduction. A structured diversification approach may help reduce exposure over time — without necessarily delaying retirement. Results will vary based on market conditions and implementation.
• Lever 03
  The Healthcare Bridge
  For example, a 60-year-old couple just over the ACA income threshold may face significantly higher premiums. Thoughtful income planning may help manage costs and improve eligibility for subsidies. Actual savings will vary based on individual circumstances and current regulations.