Denise, 64, and Malcolm, 63 were both looking to retire once each reached age 66. From our analysis, they could actually both retire already, but they still felt like it was too early to make the jump. A few months later, Malcolm’s most recent project at work was the straw that broke the camel’s back and he wanted out, fast.

We evaluated social security, health insurance costs, retirement income sources, and stress-tested the plan to give Denise and Malcolm the confidence they needed so that they could both step away from working.

Malcolm also had a pension, and we were able to create a plan to maximize his pension to make sure that Denise was in good shape no matter what happens.

Outcome: Malcolm and Denise are both happily retired, traveling around to see the kids and grandkids regularly and are working hard to be the most fit 60-year-olds they know.